EKSPLORASI TEORI DISRUPSI DIGITAL CLAYTON CHRISTENSEN DAN MAQASHID SYARIAH TERHADAP INOVASI PERBANKAN SYARIAH DI ERA DIGITAL

Abstract

This research holistically explains the innovation of Islamic banking in the digital era, where, in the last decade, the digital revolution has changed the way financial institutions operate, triggering challenges and opportunities for Islamic banking. Through in-depth desk research with qualitative research based on analytical descriptive analysis to highlight the complex challenges and innovations faced by Islamic banking accompanied by Clayton Christensen's Digital Disruption theoretical framework and Maqashid Syariah concept. This research highlights the various challenges Islamic banking faces, ranging from integrating digital technology with Sharia principles to competition with conventional financial institutions, the information gap and the need for competent human resources. On the other hand, innovations in Islamic banking products in the digital era include using technologies such as mobile banking, blockchain, and AI to improve services and operational efficiency and expand access to finance through innovative financing and investment products. Analysis based on Clayton Christensen's Digital Disruption theory reveals how Islamic banking adopts technology to offer more efficient and personalised solutions to customers, while the Maqashid Shariah perspective shows how such innovations fulfil the objectives of Islamic law, such as safeguarding religion, soul, mind, offspring, and property, as well as protecting the environment. Overall, Islamic banking product innovation in the digital era illustrates the synergy between technology and Sharia principles to create a fair, inclusive, sustainable financial ecosystem. By continuously developing solutions that meet the needs of modern society while maintaining the integrity of Sharia values, Islamic banking is at the forefront of providing added value to customers and society while opening up new economic growth opportunities.