Analysis of the Mobile Banking Service Model at Bank Syariah Indonesia from the Sharia Concept Review

Abstract

During the recovery period after the COVID-19 pandemic, Information technology that has developed so rapidly in recent years will direct the focus of some banks to digital services, including through mobile banking applications. in banking in Indonesia. The concept of obligation must be a priority by every Muslim, especially in bank financial institutions. This paper aims to research and analyze the existing mobile banking service model in the BSI Mobile Banking application. In 2021, Bank Syariah Indonesia or known as BSI has begun to combine 3 Islamic Commercial Banks in Indonesia, as well as to support the development of information technology, especially in the banking sector, BSI has also created a BSI Mobile Banking application to facilitate transactions. The method in this study is a qualitative research. with a grounded research approach, and also using a qualitative descriptive analysis method. Although the service model in the BSI Mobile application has met customer needs and is in accordance with the basic principles of Sharia, many of the customers or the Muslim community have not used it maximally and do not even know the system or model and utilization of the mobile banking application. Then it will result in application utilization that cannot be used optimally. The results of the research that the researcher has written, that the BSI Mobile Banking service model should prioritize counseling and socialization of BSI Mobile Banking products with methods that can understand Islamic law based on halal and haram according to sharia principles. Regulations
will be applied due to threats and legal reasons that occur. and it can be said that the wakalah contract law on BSI Mobile Banking services is allowed in accordance with the terms and pillars contained in the Fatwa of DSN MUI NO. 10/DSN-MUI/VI/2000 in accordance with the service model that runs in the use of mobile banking applications.