SWOT Analysis of The Application of Financial Technology in Mobile Services PT. Bank Syariah Indonesia

Ferri Alfadri (UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan, Indonesia)
Eko Surya (UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan, Indonesia)

Abstract


This research is motivated by problems experienced by BSI Mobile service users. BSI Mobile's frequent request time out errors cause transactions to be hampered, causing inconvenience for customers. This research aims to determine the SWOT Analysis of the Application of Financial Technology in Mobile Banking Services at PT Bank Syariah Indonesia KC Padangsidimpuan. This research was analyzed qualitatively descriptively using the SWOT matrix, IFAS (Internal Factor Analysis Summary) matrix and EFAS (External Factor Analysis Summary) matrix.

The research results show that the SWOT Analysis of the Application of Financial Technology in Mobile Banking Services at PT. Bank Syariah Indonesia KC. Padangsidimpuan obtained the coordinate point (1.34 : 1.16). So the position of mobile banking services at PT. Bank Syariah Indonesia KC Padangsidimpuan is in Quadrant 1. This is a profitable situation because it can maximize strengths and take advantage of existing opportunities.


Full Text:

PDF

References


Ana Tony Roby Candra Yudha, dkk. (2020). Fintech Syariah Teori dan Terapan. Surabaya: Scopindo Media Pustaka.

Asep Hermawan. (2005). Penelitian Bisnis Paradigma Kuantitatif. Jakarta: PT Grasindo.

Boedi Abdullah. (2019). Sistem Informasi Manajemen Perbankan. Bandung: CV Pustaka Setia.

Fajar, Nur’aini, Dwi Fatimah. (2016). Teknik Analisis SWOT. Yogyakarta: Anak Hebat Indonesia.

Helaluddin dan Hengki Wijaya. (2019). Analisis data Kualitatifsebuah Tinjauan teori dan praktik. Makassar: Sekolah Tinggi Theologia Jaffray.

I Putu Jati Arsana. (2022). Teknik Praktis Penyusunan Rencana Strategis Perangkat Daerah Konsep Dan Aplikasi Dalam Perencanaan Pembangunan Daerah. Yogyakarta: Deepublish.

Imam Tahyudin, dkk. (2022). Technopreneurship. Banyumas: CV. ZT Corpora.

Indriana, Hanna Trusty Satila, Bramastya Datum Alwi, Mursyid Fikri. (2022). Fintech Equity Crowdfunding Syariah Sebagai Solusi Akses Permodalan UMKM. Jurnal Bisnis dan Manajemen Islam, Vol. 10, No. 1.

Lucky Ades Tiyan, Muhammad Kurniawan, Asriani Asriani, Hazas Syarif. (2021). Analisis SWOT Financial Technology (FINTECH) Perbankan Syariah dalam Optimalisasi Penyaluran Pembiayaan dan Kualitas Pelayanan Bank Syariah. Jurnal Al-Mashrof: Islamic Banking and Finance, Vol. 2, No 1.

Maziyah Mazza Basya, Rafi Setya Iqbal Pratama, dan Muhammad Iqbal Surya Pratikto. (2020). Strategi Pengembangan Fintech Syariah Dengan Pendekatan Business Model Canvas Di Indonesia. Journal Of Economics, Vol. 4, No. 2.

Misbah, Budi Gautama Siregar,Muhammad Wandisyah R Hutagalung, samsuddin Muhammad. (2021). The Use Of Muamalat Facilities In Attracting Costumer Interest In PT. Bank MuamalatIndonesia TBK. KCP Payabungan. Journal Of Sharia Banking, Vol. 2, No.2.

Moh. Harun Fahad. Ulasan BSI Mobile (Google Play Store). 15 November 2023.

Muammar Arafat Yusmad. (2018). Aspek Hukum Perbankan Syariah Dari Teori Ke Praktik. Yogyakarta: Deepublish.

Muslich Ansori dan Sri Isnawati. (2020). Metode Penelitian Kuantitatif Edisi 2. Surabaya: Airlangga University Perss.

Nanda Nurisya Merliani dan Retno Waluyo. (2022). Analisis Pengembangan Fitur Aplikasi Mobile Banking pada BANK XYZ. Jurnal Rekayasa Informasi, Vol.11, No.2.

Nofinawati. (2020). Perbankan Syariah. Jakarta: Kencana.

Purnama Ramadani Silalahi dan Chairina. (2023). Ekonomi Digital. Medan: CV. Merdeka Kreasi Group.

Qisti Marhamah Nasution, Muhammad Yafiz, Sri Ramadhani. (2022). Resilience Of Business In The Midst Of The Covid-19 Pandemic (Case Study On UD. Salacca Parsalakan Village, West Angkola District, South Of Tapanuli Regency). Journal Of Sharia Banking, Vol. 3, No. 1.

Rizka, Azwar Hamid, Ihdi Aini, Sulaiman Effendi. (2021). Effect Of Result and Inflation On Third Party Funds In Sharia Commercial Banks and Sharia Business Units Influence Of Result and Inflation On Third Party Funds In Sharia Commercial Bank and Sharia Bussiness Units. Journal Of Sharia Banking, 2, No.1.

Rumaini, Abdul Malik, Nurlia Fusfita. (2023). Pengaruh Kualitas Layanan Mobile Banking Terhadap Kepuasan Nasabah BSI Bertransaksi. Jurnal Penelitian dan Karya Ilmiah, Vol. 1, No. 5.

Selfi Hastria Ningsih,. (2023). Analisis SWOT Financial Technology Pada Perbankan Syariah di Era Revolusi Industri 4.0. Jurnal Lembaga Keuangan dan Perbankan, Vol. 8, No. 1.

Silvana Maulidah. (2023). Manajemen Strategis Agribisnis. Malang: UB Press.

Suci, Fatahuddin, Sarmiana, Sry Lestari. (2021). Feasibility Analysis Of Small Medium Enterprises (MSMEs) In Mandailing Natal Regency In Accesing Financing In Sharia Bank. Journal Of Sharia Banking, Vol. 2, No.1.

Suharsimi Arikunto. (2013). Prosedur Penelitian Suatu Pendekatan Praktik. Jakarta: PT. Rineka Cipta.

Syarifah Isnaini. (2022). Analisis SWOT Financial Technology (FINTECH) Perbankan Syariah Pada PT. Bank Sumut Cabang Syariah Padangsidimpuan. Jurnal Pendidikan: SEROJA, Vol. 1, No.1.

Trimulato, Asyraf Mustamin, dan Ismawati. (2020). Service Eexcellent Bagi Fintech Syariah Di Tengah Kondisi COVID-19. Jurnal Hukum dan Ekonomi Islam, Vol. 4, No.2.

Ujang Syahrul Mubarrok. (2018). Penerapan SWOT Balanced Scorecard Pada Perencanaan Strategi Bisnis. Surabaya: CV Jakad Publishing.

Veithzal Rivai dan Arviyan Arifin. (2010). Islamic Banking Sebuah Teori, Konsep, dan Aplikasi. Jakarta: PT Bumi Aksara.

Vera. Ikhwanuddin Harahap, Windari, Arti Damisa. (2021). SWOT Analysis Of Saving Products IB Hijrah Haji PT. Bank Muamalat Indonesia Supporting Branch. Journal Of Sharia Banking, Vol. 2, No. 1.

Yeni Anjani. Ulasan BSI Mobile (Google Play Store). 15 November 2023.




DOI: https://doi.org/10.24952/jiftech.v2i2.11996

Refbacks

  • There are currently no refbacks.


Copyright (c) 2024 Ferri Alfadri, Eko Surya

Creative Commons License
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

                

  : jiftech@uinsyahada.ac.id     

Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan
Jalan T. Rizal Nurdin Km. 4,5 Sihitang Padangsidimpuan, Sumatera Utara,  Indonesia