Bank Syariah Indonesia (BSI) Management Strategy in Facing Digital Banking Transformation
Keywords:
Management Strategy, Bank Syariah Indonesia, Digital Transformation, Digital Banking, Sharia Banking.
Abstract
Digital transformation has restructured the banking industry, including the Islamic banking sector in Indonesia. Bank Syariah Indonesia (BSI), as the largest Islamic banking institution in Indonesia, is required to respond to changes in digital technology to improve operational efficiency, service quality, and competitiveness in the banking industry. This study aims to examine the management strategies implemented by Bank Syariah Indonesia (BSI) in facing the transformation in digital banking. The methodology used is a descriptive qualitative approach with a literature study technique, using secondary data derived from BSI's annual report, official publications, research journals, and other related literature. The findings of this study indicate that BSI's management strategy in handling digital change has been implemented through five main aspects: digitalization of banking services through mobile banking and internet banking, enhancement of cybersecurity systems, product innovation tailored to customer needs, development of human resource skills through digital training, and establishing strategic partnerships with financial technology (fintech) companies. Furthermore, the implementation of Good Corporate Governance (GCG) and compliance with sharia principles are crucial factors in building public trust in the digital services offered by BSI.
References
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Thaib, M. M. (2024). Manajemen Ekonomi Bisnis Islam sebagai Model Syariah untuk Menguatkan Daya Saing UMKM di Era Digital. Ekonomi Syariah Dan Bisnis Islam, 3(2), 118–126.
Trimulyana, R. A. (2024). Transformasi Digital dalam Perbankan Syariah dan Dampaknya pada Masyarakat Muslim. Persya: Jurnal Perbankan Syariah, 2(1), 8–12. https://doi.org/10.62070/persya.v2i1.52
Ulum, B. (2025). Penerapan Prinsip Syariah Dalam Layanan Perbankan Digital Dan Teknologi Finansial (Fintech) Di Bank Syariah Indonesia Cabang Jember. JSE: Jurnal Sharia Economica, 4(4), 53–65. https://doi.org/10.46773/jse.v4i4.2476
Wakhidah, R. R., Ashari, D. R. W., & Adifan, M. (2025). Digital Transformation in Banking and Its Impact on Customer Experience: A Literature Review on Satisfaction and Loyalty. ESPAS Journal of Economics and Banking, 2(1), 58–67. https://doi.org/10.28926/espas.v2i1.1824
Zed, & Mestika. (2018). Metode Penelitian Kepustakaan. Yayasan Pustaka Obor Indonesia. https://books.google.co.id/books?id=zG9sDAAAQBAJ
Agama, S. J., Budaya, S. D. A. N., Inklusi, M., Memunculkan, J., Baru, R., Zahrani, A., Farhati, N. N. N., Anzelika, N. D., Khalid, R., Rimadhani, S. G., Sobira, T., & Suresman, E. (2026). Transformasi Digital Keuangan Syariah : Apakah Fintech Mampu. 2(2), 1167–1178.
Aisyah, A., Siregar, H., Raissyah, R., & Tafrijah, M. (2026). Transformasi Digital Dalam Pengembangan E-Business Di Perbankan Syariah. 4(4), 402–405.
Amelia, A. (2026). DIGITAL TRANSFORMATION IN ISLAMIC BANKING : FINTECH INNOVATION AND SHARIAH COMPLIANCE. 7(1), 1747–1752.
Bhayangkara G, A. N., Tauhid, D. M., Adawiyah, R., & Arsyad, K. (2025). Transformasi Digital Perbankan Syariah: Peluang dan Tantangan. MUTLAQAH: Jurnal Kajian Ekonomi Syariah, 5(2), 68–77. https://doi.org/10.30743/mutlaqah.v5i2.10602
Bougie, R., & Sekaran, U. (2019). Research Methods For Business: A Skill Building Approach. Wiley. https://books.google.co.id/books?id=ikI6EAAAQBAJ
Creswell, & John W. (2018). Research Design: Qualitative, Quantitative, and Mixed Methods Approaches. In Manual Therapy (Vol. 16, Issue 1). https://doi.org/10.1016/j.math.2010.09.003
Dessler G. (2020). Human Resource Management.
Drs. Ismail, M. B. A. A. (2017). Perbankan Syariah. Kencana. https://books.google.co.id/books?id=X9xDDwAAQBAJ
Hunger, J, D., & Wheelen, Thomas, L. (2012). trategic Management and Business Policy: Toward Global Sustainability, 13th ed. Pearson Education. In Journal of Mathematical Sciences (United States) (Vol. 216, Issue 4).
Husni Shabri. (2022). Transformasi Digital Industri Perbankan Syariah Indonesia. El-Kahfi | Journal of Islamic Economics, 3(02), 1–7. https://doi.org/10.58958/elkahfi.v3i02.88
Islamiah, I. N., Nasrina, N., Salman, N. F. B., & Huda, N. (2024). Transformasi Digital Pada Perbankan Syariah Indonesia: Produk It Dan Jenis Transaksi. Sharing: Journal of Islamic Economics Management and Business, 3(1), 91–104. https://doi.org/10.31004/sharing.v3i1.27503
Kaplan, R. S., & Norton, D. P. (1996). The Balanced Scorecard: Translating Strategy Into Action. Harvard Business School Press. https://books.google.co.id/books?id=mRHC5kHXczEC
Kasmawati, Albahi, M., Andrini, R., & Lukman. (2025). Integrasi Shariah Governance dalam Transformasi Digital Perbankan Syariah : Perspektif Agency Theory dan TAM. 8, 404–416.
Khansa, A., Nurullita, I., Larassati, E. S., Luthfi, R., Ekonomi, P., & Pamulang, U. (2025). Transformasi Digital Bank Syariah Indonesia dalam Meningkatkan Daya Saing Nasional. 9, 41910–41916.
Kusmayadi, D., Rudiana, D., & Badruzaman, J. (n.d.). Corporate Management Governance.
Laudon, K. C., & Laudon, J. P. (2010). Managing the Digital Manajemen Information System. In New Jersey: Prentice Hall.
Masrina, & Lestari, D. (2024). Integrasi Fitur ZISWAF dalam Digital Banking Bank Syariah: Peluang dan Tantangan. INASJIF: Indonesian Journal of Islamic Social Finance, 3(2), 221–235. https://journal.uinsi.ac.id/index.php/INASJIF/article/view/11207/3350
Nugraha, M. A. N., Norvadewi, N., & Noni, Y. (2024). Analisis Implementasi Digital Banking Dalam Peningkatan Kualitas Layanan Pada Nasabah Bank Syariah Indonesia (Bsi) Kcp Samarinda. Journal of Information Systems Management and Digital Business, 1(3), 314–321. https://doi.org/10.59407/jismdb.v1i3.628
Prawira, B. (2021). Transformasi Digital Bank di Indonesia. Media Nusa Creative, 210622, 242.
Robbins, S. P., & Judge, T. A. (2019). Organazational Behavior (Vol. 2).
Sholekhah, I., Abshor, F. U., & Guntoro, D. W. (2025). Pengaruh Kualitas Layanan Digital BSI Terhadap Loyalitas dan Kepatuhan Nasabah: Analisis Kuantitatif dalam Perspektif Akuntansi Syariah. Neraca: Jurnal Pendidikan Ekonomi, 11(1), 1–13. https://doi.org/10.33084/neraca.v11i1.10753
Siregar, F. N., Khairunnisa, S. Z., Miera, Z. F., & Nurbaiti, N. (2025). Transformasi Digital Dalam Sistem Informasi Perbankan Syariah. ECONOMIST: Jurnal Ekonomi Dan Bisnis, 2(1), 60–68. https://doi.org/10.63545/economist.v2i1.81
Sugiyono. (2016). Metode Penelitian Kuantitatif, Kualitatif Dan R & D. In Bandung:Alfabeta.
Thaib, M. M. (2024). Manajemen Ekonomi Bisnis Islam sebagai Model Syariah untuk Menguatkan Daya Saing UMKM di Era Digital. Ekonomi Syariah Dan Bisnis Islam, 3(2), 118–126.
Trimulyana, R. A. (2024). Transformasi Digital dalam Perbankan Syariah dan Dampaknya pada Masyarakat Muslim. Persya: Jurnal Perbankan Syariah, 2(1), 8–12. https://doi.org/10.62070/persya.v2i1.52
Ulum, B. (2025). Penerapan Prinsip Syariah Dalam Layanan Perbankan Digital Dan Teknologi Finansial (Fintech) Di Bank Syariah Indonesia Cabang Jember. JSE: Jurnal Sharia Economica, 4(4), 53–65. https://doi.org/10.46773/jse.v4i4.2476
Wakhidah, R. R., Ashari, D. R. W., & Adifan, M. (2025). Digital Transformation in Banking and Its Impact on Customer Experience: A Literature Review on Satisfaction and Loyalty. ESPAS Journal of Economics and Banking, 2(1), 58–67. https://doi.org/10.28926/espas.v2i1.1824
Zed, & Mestika. (2018). Metode Penelitian Kepustakaan. Yayasan Pustaka Obor Indonesia. https://books.google.co.id/books?id=zG9sDAAAQBAJ
Published
2026-05-31
How to Cite
Lily Muthia Arini, Jureid, Evika Damayanti, Maulana Sulaiman, Selvi Adelina, & Thalita Nur Hifda. (2026). Bank Syariah Indonesia (BSI) Management Strategy in Facing Digital Banking Transformation. International Journal of Economics, Business and Innovation Research, 5(03), 3565-3578. https://doi.org/10.63922/ijebir.v5i03.3930
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