OPPORTUNITIES AND CHALLENGES OF SHARIA BANKING IN INDONESIA IN THE FINANCIAL TECHNOLOGY (FINTECH) INDUSTRY: SYSTEMATIC LITERATURE REVIEW
Keywords:
Opportunities , Challenges , Banking , Financial Technology (Fintech) Industry:Abstract
This research aims to determine the opportunities and challenges in developing sharia banking in Indonesia in the financial technology (Fintech) industry. This study uses the PRISMA (Preferred Reporting Items for Systematic reviews and Meta-Analysis) method with four stages, namely identification, scanning, eligibility, and inclusion. The research stage begins by identifying relevant literature using Harzing's Publish or Perish (PoP), the second stage is scanning by quickly reading the title and abstract of the research, the third stage is eligibility by identifying articles that are relevant to the research objectives, and the fourth stage is inclusion by analyzing the entirety of the selected articles. The research results found 16 opportunities in developing sharia banking in Indonesia, and 11 challenges in developing sharia banking in Indonesia. Based on the results of this research, it can be concluded that the opportunities for developing the sharia banking industry in Indonesia are very wide open with a very large market. The sharia banking industry in Indonesia has become a very promising commodity in the fintech era. The biggest challenge for sharia banking in Indonesia is the lack of human resources which hinders product development, business expansion and network expansion
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