Analysis of fintech implementation strategy in sharia bank financing (case study at BSI KCP Cemara Asri)
##plugins.themes.bootstrap3.article.main##
Abstract
This study aims to analyze the strategy of implementing financial technology (fintech) in Islamic bank financing at BSI KCP Cemara Asri. The study used a qualitative descriptive approach with a case study method and a SWOT analysis as a strategic analysis tool. Research data was obtained through questionnaires to 9 respondents consisting of bank employees and customers using fintech-based financing services, and supported by documentation data from official reports and related literature. The analysis results show that the IFAS matrix value is 2.40 and EFAS is 2.00, indicating that internal and external conditions are in the moderate category. The SWOT matrix mapping places BSI KCP Cemara Asri in Quadrant III, indicating the need for a turnaround strategy by strengthening internal factors to capitalize on external opportunities. The IE matrix analysis places the organization in Quadrant V with a hold and maintain strategy. The research findings indicate that the application of fintech in Islamic bank financing has great potential to improve service efficiency and expand financing access, but requires strengthening aspects of digital literacy, human resource competency, and digital system security for optimal fintech implementation.
##plugins.themes.bootstrap3.article.details##
How to Cite
Andini, V., Daulay, A. N., & Rahmani, N. A. B. (2026). Analysis of fintech implementation strategy in sharia bank financing (case study at BSI KCP Cemara Asri). Indonesia Auditing Research Journal, 15(1), 85–94. https://doi.org/10.35335/arj.v15i1.639
References
Alshater, M. M. (2022). Financial technology (FinTech) and the transformation of the Islamic finance industry. Journal of Islamic Accounting and Business Research, 13(1), 1–19. https://doi.org/10.1108/JIABR-03-2021-0089
Anggraini, T., Harahap, M. Y. P., Islam, U., & Sumatera, N. (2024). STRATEGI PEMASARAN BANK SYARIAH INDONESIA ( BSI ) KCP PADANG BULAN DALAM MEMASARKAN PRODUK PEMBIAYAAN. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 9(204), 135–143. https://doi.org/10.30651/jms.v9i1.21511
Anggraini, T., Iqbal, I., Islam, U., Sumatera, N., & Indonesia, D. (2024). ANALISIS STRATEGI PEMASARAN TERHADAP PEMBIAYAAN PENSIUNAN PEGAWAI NEGERI SIPIL PADA BANK SYARIAH INDONESIA SUKARAMAI. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 9(204), 95–105. https://doi.org/10.30651/jms.v9i1.21359
Antonio, M. S. (2011). Bank syariah: Dari teori ke praktik. Gema Insani Press.
Ascarya. (2015). Akad dan produk bank syariah. Rajawali Pers.
Asy’ary, M. H., Nasution, M. L. I., & Anggraini, T. (2024). Analisis Strategi Pemasaran Produk Pembiayaan Kepemilikan Rumah Dalam Meningkatkan Profitabilitas Pada Bank Sumut KCP Syariah Kota Baru Marelan. Jesya, 7(2), 2070–2080. https://doi.org/10.36778/jesya.v7i2.1773
Bank Syariah Indonesia. (2023). Laporan tahunan Bank Syariah Indonesia tahun 2023. PT Bank Syariah Indonesia Tbk.
Barney, J. (1991). Firm resources and sustained competitive advantage. Journal of Management, 17(1), 99–120. https://doi.org/10.1177/014920639101700108
Creswell, J. W. (2018). Research design: Qualitative, quantitative, and mixed methods approaches (5th ed.). SAGE Publications.
Daulay, A. N. (2024). ENHANCING SHARIA INSURANCE DEVELOPMENT IN INDONESIA: THE ROLE OF FINTECH AND PRODUCT INNOVATION. ISLAMICONOMIC: Jurnal Ekonomi Islam, 15(2), 123–140. https://doi.org/10.32678/ijei.v15i2.745
Daulay, A. N. (2025). Strategi Pengembangan Usaha UMKM di Era Digital : Studi Kasus Havana Collection dengan Pendekatan SWOT – QSPM. Jurnal Maksipreneur: Manajemen, Koperasi, Dan Entrepreneurship, 14(2), 769–787. https://doi.org/10.30588/jmp.v14i2.2424
Februari, B. (2024). Strategi Pemasaran PT Bank Syariah Indonesia KCP Cemara Asri dalam Menawarkan Produk Pembiayaan Pra Pensiun Guna Menarik Minat Nasabah. Eksis: Jurnal Ilmiah Ekonomi Dan Bisnis, 15(1), 54–61. https://doi.org/10.33087/eksis.v15i1.427
Fitriani, D. (2022). Peran financial technology dalam meningkatkan inklusi keuangan syariah. Jurnal Ekonomi dan Keuangan Syariah, 6(2), 145–158.
Gomber, P., Koch, J. A., & Siering, M. (2023). Digital finance and FinTech: Current research and future research directions. Journal of Business Economics, 93(1), 5–36. https://doi.org/10.1007/s11573-022-01086-0
Gorton, G., & Winton, A. (2003). Financial intermediation. In G. M. Constantinides, M. Harris, & R. Stulz (Eds.), Handbook of the economics of finance (Vol. 1, pp. 431–552). Elsevier.
Gurley, J. G., & Shaw, E. S. (1960). Money in a theory of finance. Brookings Institution.
Harahap, A. H., Daulay, A. N., & Inayah, N. (2025). Analysis of Marketing Strategy of Gold Savings Products in an Effort to Attract Customer Interest at Bank Syariah Indonesia ( Case Study of Bank Syariah Indonesia KCP Marelan ). Journal of Management and Administration Provision, 66–77. https://doi.org/10.55885/jmap.v5i1.557
Helms, M. M., & Nixon, J. (2010). Exploring SWOT analysis – Where are we now? Journal of Strategy and Management, 3(3), 215–251. https://doi.org/10.1108/17554251011064837
Nasution, A. D., & Syarvina, W. (2022). Analisis Penerapan SWOT Manajemen Pemasaran pada Bisnis Developer di PT . Rizki Mandiri Barokah. Journal of Indonesian Managemen, 2(2), 245–252. https://doi.org/10.53697/jim.v2i2.641
Otoritas Jasa Keuangan. (2016). Peraturan Otoritas Jasa Keuangan Nomor 77/POJK.01/2016 tentang layanan pinjam meminjam uang berbasis teknologi informasi. OJK.
Otoritas Jasa Keuangan. (2022). Roadmap pengembangan fintech syariah Indonesia. OJK.
Otoritas Jasa Keuangan. (2023). Statistik perbankan Indonesia. OJK.
Philippon, T. (2021). The great reversal: How America gave up on free markets. Harvard University Press.
Rahmawati, A., & Kurniawan, R. (2021). Faktor-faktor yang memengaruhi minat penggunaan fintech pada bank syariah. Jurnal Keuangan dan Perbankan Syariah, 5(1), 23–38.
Rangkuti, F. (2016). Analisis SWOT: Teknik membedah kasus bisnis. PT Gramedia Pustaka Utama.
Rogers, E. M. (2003). Diffusion of innovations (5th ed.). Free Press.
Silalahi, P. R. (2023). Strategi Penerapan E-Commerce dalam Meningkatkan Keunggulan Bersaing. Jurnal Ilmiah Mahasiswa Manajemen, Bisnis Dan Akuntansi, 5(1), 87–93. https://doi.org/10.32639/jimmba.v5i1.254
Sugiyono. (2020). Metode penelitian kualitatif, kuantitatif, dan R&D. Alfabeta.
Wiyani, S., Syahbudi, M., & Daulay, A. N. (2025). The Role of Fintech in the Transformation of the Cashless Society of the Sharia Financial Sector with A Literature Review Approach. Balanca: Jurnal Ekonomi Dan Bisnis Islam, 7(2), 126–160. https://doi.org/10.35905/balanca.v7i2.14908
World Bank. (2022). The Global Findex database 2021: Financial inclusion, digital payments, and resilience in the age of COVID-19. World Bank.
Yin, R. K. (2018). Case study research and applications: Design and methods (6th ed.). SAGE Publications.
Anggraini, T., Harahap, M. Y. P., Islam, U., & Sumatera, N. (2024). STRATEGI PEMASARAN BANK SYARIAH INDONESIA ( BSI ) KCP PADANG BULAN DALAM MEMASARKAN PRODUK PEMBIAYAAN. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 9(204), 135–143. https://doi.org/10.30651/jms.v9i1.21511
Anggraini, T., Iqbal, I., Islam, U., Sumatera, N., & Indonesia, D. (2024). ANALISIS STRATEGI PEMASARAN TERHADAP PEMBIAYAAN PENSIUNAN PEGAWAI NEGERI SIPIL PADA BANK SYARIAH INDONESIA SUKARAMAI. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 9(204), 95–105. https://doi.org/10.30651/jms.v9i1.21359
Antonio, M. S. (2011). Bank syariah: Dari teori ke praktik. Gema Insani Press.
Ascarya. (2015). Akad dan produk bank syariah. Rajawali Pers.
Asy’ary, M. H., Nasution, M. L. I., & Anggraini, T. (2024). Analisis Strategi Pemasaran Produk Pembiayaan Kepemilikan Rumah Dalam Meningkatkan Profitabilitas Pada Bank Sumut KCP Syariah Kota Baru Marelan. Jesya, 7(2), 2070–2080. https://doi.org/10.36778/jesya.v7i2.1773
Bank Syariah Indonesia. (2023). Laporan tahunan Bank Syariah Indonesia tahun 2023. PT Bank Syariah Indonesia Tbk.
Barney, J. (1991). Firm resources and sustained competitive advantage. Journal of Management, 17(1), 99–120. https://doi.org/10.1177/014920639101700108
Creswell, J. W. (2018). Research design: Qualitative, quantitative, and mixed methods approaches (5th ed.). SAGE Publications.
Daulay, A. N. (2024). ENHANCING SHARIA INSURANCE DEVELOPMENT IN INDONESIA: THE ROLE OF FINTECH AND PRODUCT INNOVATION. ISLAMICONOMIC: Jurnal Ekonomi Islam, 15(2), 123–140. https://doi.org/10.32678/ijei.v15i2.745
Daulay, A. N. (2025). Strategi Pengembangan Usaha UMKM di Era Digital : Studi Kasus Havana Collection dengan Pendekatan SWOT – QSPM. Jurnal Maksipreneur: Manajemen, Koperasi, Dan Entrepreneurship, 14(2), 769–787. https://doi.org/10.30588/jmp.v14i2.2424
Februari, B. (2024). Strategi Pemasaran PT Bank Syariah Indonesia KCP Cemara Asri dalam Menawarkan Produk Pembiayaan Pra Pensiun Guna Menarik Minat Nasabah. Eksis: Jurnal Ilmiah Ekonomi Dan Bisnis, 15(1), 54–61. https://doi.org/10.33087/eksis.v15i1.427
Fitriani, D. (2022). Peran financial technology dalam meningkatkan inklusi keuangan syariah. Jurnal Ekonomi dan Keuangan Syariah, 6(2), 145–158.
Gomber, P., Koch, J. A., & Siering, M. (2023). Digital finance and FinTech: Current research and future research directions. Journal of Business Economics, 93(1), 5–36. https://doi.org/10.1007/s11573-022-01086-0
Gorton, G., & Winton, A. (2003). Financial intermediation. In G. M. Constantinides, M. Harris, & R. Stulz (Eds.), Handbook of the economics of finance (Vol. 1, pp. 431–552). Elsevier.
Gurley, J. G., & Shaw, E. S. (1960). Money in a theory of finance. Brookings Institution.
Harahap, A. H., Daulay, A. N., & Inayah, N. (2025). Analysis of Marketing Strategy of Gold Savings Products in an Effort to Attract Customer Interest at Bank Syariah Indonesia ( Case Study of Bank Syariah Indonesia KCP Marelan ). Journal of Management and Administration Provision, 66–77. https://doi.org/10.55885/jmap.v5i1.557
Helms, M. M., & Nixon, J. (2010). Exploring SWOT analysis – Where are we now? Journal of Strategy and Management, 3(3), 215–251. https://doi.org/10.1108/17554251011064837
Nasution, A. D., & Syarvina, W. (2022). Analisis Penerapan SWOT Manajemen Pemasaran pada Bisnis Developer di PT . Rizki Mandiri Barokah. Journal of Indonesian Managemen, 2(2), 245–252. https://doi.org/10.53697/jim.v2i2.641
Otoritas Jasa Keuangan. (2016). Peraturan Otoritas Jasa Keuangan Nomor 77/POJK.01/2016 tentang layanan pinjam meminjam uang berbasis teknologi informasi. OJK.
Otoritas Jasa Keuangan. (2022). Roadmap pengembangan fintech syariah Indonesia. OJK.
Otoritas Jasa Keuangan. (2023). Statistik perbankan Indonesia. OJK.
Philippon, T. (2021). The great reversal: How America gave up on free markets. Harvard University Press.
Rahmawati, A., & Kurniawan, R. (2021). Faktor-faktor yang memengaruhi minat penggunaan fintech pada bank syariah. Jurnal Keuangan dan Perbankan Syariah, 5(1), 23–38.
Rangkuti, F. (2016). Analisis SWOT: Teknik membedah kasus bisnis. PT Gramedia Pustaka Utama.
Rogers, E. M. (2003). Diffusion of innovations (5th ed.). Free Press.
Silalahi, P. R. (2023). Strategi Penerapan E-Commerce dalam Meningkatkan Keunggulan Bersaing. Jurnal Ilmiah Mahasiswa Manajemen, Bisnis Dan Akuntansi, 5(1), 87–93. https://doi.org/10.32639/jimmba.v5i1.254
Sugiyono. (2020). Metode penelitian kualitatif, kuantitatif, dan R&D. Alfabeta.
Wiyani, S., Syahbudi, M., & Daulay, A. N. (2025). The Role of Fintech in the Transformation of the Cashless Society of the Sharia Financial Sector with A Literature Review Approach. Balanca: Jurnal Ekonomi Dan Bisnis Islam, 7(2), 126–160. https://doi.org/10.35905/balanca.v7i2.14908
World Bank. (2022). The Global Findex database 2021: Financial inclusion, digital payments, and resilience in the age of COVID-19. World Bank.
Yin, R. K. (2018). Case study research and applications: Design and methods (6th ed.). SAGE Publications.
Copyright and Licensing
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.