MALAYZIYA VA INDONEZIYADA ISLOM BANKLARINI RAQAMLI TRANSFORMATSIYALASH: ISLAMIC FINTECH VA RAQAMLI BANK XIZMATLARINING QIYOSIY TAHLILI
DOI:
https://doi.org/10.5281/zenodo.21761845Keywords:
islom bankchiligi, raqamli transformatsiya, Islamic FinTech, mobil banking, Open API, moliyaviy inklyuziya, Malayziya, Indoneziya.Abstract
Maqolada Malayziya va Indoneziyada islom banklarini raqamli transformatsiyalash jarayonlari qiyosiy tahlil qilingan. Islamic FinTech, mobil banking, Open API, sun’iy intellekt va raqamli to‘lov ekotizimlarining bank xizmatlari samaradorligi hamda moliyaviy inklyuziyaga ta’siri yoritilgan. Tadqiqot natijasida Malayziyada texnologik chuqurlik, Indoneziyada esa xizmatlar miqyosi va mobil qamrov ustunligi aniqlangan.
References
1. Bank Negara Malaysia. Discussion Paper on Artificial Intelligence in the Malaysian Financial Sector. — Kuala Lumpur: Bank Negara Malaysia, 2025. — URL: https://www.bnm.gov.my/-/dp-aifs25.
2. Otoritas Jasa Keuangan. Sharia Banking Positive Performance in 2024: Press Release No. SP 35/GKPB/OJK/II/2025. — Jakarta: Otoritas Jasa Keuangan, 2025. — URL: https://ojk.go.id/en/berita-dan-kegiatan/siaran-pers/Pages/Sharia-Banking-Positive-Performance-in-2024.aspx.
3. Alshater M. M., Saba I., Supriani I., Rabbani M. R. Fintech in Islamic finance literature: a review // Heliyon. — 2022. — Vol. 8, No. 9. — Art. e10385. — DOI: 10.1016/j.heliyon. 2022.e10385.
4. Rickinghall M. Impact of Fintech on Islamic Bank Performance in Malaysia: Descriptive Study on Fintech // Modern Management Based on Big Data III. — 2022. — Vol. 352. — P. 93–102. — DOI: 10.3233/FAIA220088.
5. Oladapo I. A., Hamoudah M. M., Alam M. M., Muda R., Olaopa O. R. Customers’ perceptions of FinTech adaptability in the Islamic banking sector: Comparative study on Malaysia and Saudi Arabia // Journal of Modelling in Management. — 2022. — Vol. 17, No. 4. — P. 1241–1261. — DOI: 10.1108/JM2-10-2020-0256.
6. Hudaefi F. A., Hassan M. K., Abduh M. Exploring the development of Islamic fintech ecosystem in Indonesia: a text analytics // Qualitative Research in Financial Markets. — 2023. — Vol. 15. — No. 3. — P. 514–533. — DOI: 10.1108/QRFM-04-2022-0058.
7. Nurfadilah D., Samidi S., Daryanto W. M. Digital readiness of Islamic rural banks in Indonesia: lesson from the COVID-19 pandemic // Cogent Business & Management. — 2023. — Vol. 10. — No. 3. — Art. 2259587. — DOI: 10.1080/23311975.2023.2259587.
8. Sudarsono H., Kholid M. N., Trisanty A., Maisaroh M. The intention of Muslim customers to adopt mobile banking: the case of Islamic banks in Indonesia // Cogent Business & Management. — 2022. — Vol. 9. — No. 1. — Art. 2154102. — DOI: 10.1080/23311975.2022.2154102.
9. Bank Negara Malaysia. Annual Report 2024. — Kuala Lumpur: Bank Negara Malaysia, 2025.
10. Otoritas Jasa Keuangan. Indonesian Islamic Financial Development Report 2024. — Jakarta: Otoritas Jasa Keuangan, 2025.
11. Bank Islam Malaysia Berhad. Integrated Annual Report 2024. — Kuala Lumpur: Bank Islam Malaysia Berhad, 2025.
12. PT Bank Syariah Indonesia Tbk. Annual Report 2024. — Jakarta: PT Bank Syariah Indonesia Tbk, 2025.
13. Bank Indonesia. BI-Rate Held at 6.00%: Maintaining Stability, Strengthening Economic Growth. — Jakarta: Bank Indonesia, 2024. — URL: https://www.bi.go.id
