Digital Sharia Finance Products and Service Innovation Under Managerial Governance
Kata Kunci:
sharia finance, digital services, product innovation, fintech, compliance, governance, amanahAbstrak
This article develops a normative account of product innovation and service digitalization in sharia finance. It addresses managerial choices for technology based sharia offerings, institutional adaptation to sharia fintech, and the safeguarding of sharia compliance within digital delivery. The discussion treats user interface design as a moral medium that shapes contract readability, informed consent, and fairness of disclosed fees. It argues that credible innovation requires embedded compliance through system rules, auditable change control, and accountable ecosystems across third party providers. Data use is framed through trust, proportional collection, clear purpose limitation, and explainable automated decisions. The paper also highlights complaint handling as procedural justice and a core expression of amanah in digital services. A conceptual framework is proposed with three pillars: digital contract design, governance of feature updates, and ecosystem accountability for partnerships and outsourcing. The central claim is that sharia digitalization becomes durable when managerial governance aligns growth ambitions with transparent consent, verifiable controls, and dignity preserving customer communication.
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