THE ROLE OF DIGITAL MANAGEMENT AND GOVERNANCE IN THE GLOBAL COMPETITIVENESS OF ISLAMIC BANKS IN INDONESIA

Rahmayati Rahmayati, Frida Yanti Sirait, Afif Badawi

Abstract


This study explores the role of digital management and governance in enhancing the global competitiveness of Islamic banks in Indonesia. As digital transformation becomes a key driver in the financial services industry, Islamic banks must adapt through the integration of digital technologies and improved governance frameworks to remain relevant and competitive in a rapidly changing global landscape. Using a qualitative research approach, this study gathers insights through in-depth interviews with banking practitioners, regulators, and digital transformation experts. The findings reveal that digital management such as the adoption of mobile banking, core digital systems, and AI-driven services significantly contributes to operational efficiency and customer engagement. Meanwhile, strong governance practices, particularly in terms of transparency, Shariah compliance, and digital risk management, play a pivotal role in building stakeholder trust and international recognition. The study concludes that digital transformation and governance are interdependent and must be integrated into the strategic direction of Islamic banks to enhance their global competitiveness.


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DOI: https://doi.org/10.3059/insis.v0i0.29502

DOI (PDF): https://doi.org/10.3059/insis.v0i0.29502.g15072

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