Model kolaborasi antara perbankan syariah dengan financial technology (fintech) syariah

As the development of information technology is supported by rapid internet penetration, a number of digital financial services have emerged that make it easier for people to make transactions and obtain financing. This digital financial service is called financial technology which is then abbreviated as fintech. The presence of fintech is often associated with the banking sector. Banking and fintech have weaknesses and strengths that are complementary and very likely to collaborate in improving the nation's economic progress. Based on this, there is opportunity for Islamic banking and fintech. The opportunity is supported by Islamic bank products that can meet all the needs of the community. Problems with sharia banking market share growth, namely product financing products that have a characteristic focus on Islamic banking on the existence of national and international markets. Various developments in the fintech industry, regulator recognition, and the broad potential of the community towards financial access, have enabled a strategy to connect Islamic and fintech banking. The objectives of this study are: 1) To identify strategic issues between banking and Islamic fintech, 2) Analyze the formulation of appropriate strategies for banking integration and sharia fintech, 3) Formulate appropriate collaboration models for Islamic banking and fintech integration. The analytical method used consists of analysis of strategic factors for the external environment with the framework of Politic, Economy, Social, Technology, Legal, Environment (PESTLE) and for the internal environment with functional frameworks (marketing, sales, operations, finance, HR), External Factors analysis Evaluation (EFE), Internal Factors Evaluation (IFE) analysis, External Internal analysis (IE), SWOT matrix analysis, and ANP. The results of the analysis show that the external banking strategic factors and sharia fintech include 5 opportunities and 5 threats. The Islamic banking internal strategic factors include 6 strengths and 4 weaknesses. In this study Islamic banking and fintech get EFE 3.11 and IFE 3.00. The position of the banking and Islamic fintech in the IE matrix is quadrant I which means grow and build with a choice of intensive and integrative strategies. The results of the SWOT analysis provide several strategies that can be implemented namely in the form of 2 SO strategies, 2 ST strategies, 3 WO strategies, and 1 WT strategy. The choice strategy is then to determine the priorities of each strategy and alternative strategies that will be used for sharia banking and fintech collaboration