Analisis SWOT Financial Technology (Fintech) perbankan syariah pada PT. Bank Sumut Cabang Syariah Padangsidimpuan

Isnaini, Syarifah and Lubis, Nurhalimah and Khairani, Desy (2023) Analisis SWOT Financial Technology (Fintech) perbankan syariah pada PT. Bank Sumut Cabang Syariah Padangsidimpuan. Jurnal Pendidikan : SEROJA, 1 (1). pp. 106-116. ISSN 2961-9408

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Abstract

Financial technology is a financial service that is based on and uses technology as the main medium with the aim of helping people make transactions easier. The lack of customer interest in using fintech related to mobile banking is due to the fact that not all PT. Bank Sumut Sharia Branch can use this technology because most of its customers are parents, customers of PT. Bank Sumut Padangsidimpuan Sharia Branch prefers transactions directly to the bank. The formulation of the problem in this study is how the strengths, weaknesses, opportunities and threats of Islamic banking financial technology at PT. Bank Sumut Padangsidimpuan Sharia Branch. The theory used in this study is fintech, the legal basis of fintech, types of fintech, financial Technology (Fintech) of Islamic banking, the benefits of fintech, the role and objectives of fintech, Islamic banking, the legal basis of Islamic banking, the principles of Islamic banking, the function of Islamic banking and the objective role of Islamic banking. Freddy Rangkuti's theory related to SWOT analysis (Strength, Weakness, Opportunity, Threat). This research is a qualitative research with a descriptive approach. Data collection was carried out using interviews and documentation. The data source used is primary data, namely information sourced from interviews with customer service and 5 customers at PT. Bank Sumut Padangsidimpuan Sharia Branch, while secondary sources are data obtained from documentation or literature to complement primary data. Based on the results of the research that has been done, it can be seen that the SWOT Financial Technology (Fintech) analysis is related to the mobile banking of Bank Sumut Padangsidimpuan Syariah Branch, namely strength, ease of making transactions anywhere and anytime, time efficiency so that customers don't bother coming to Bank Sumut. Direct Sharia branch. Weaknesses, requiring a supporting internet connection, customer knowledge regarding fintech related to mobile banking is still relatively low. Opportunity, the application of new technologies in IT development. Threat (Threat), the existence of cybercrime or crime.

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