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September 10, 2025Jurnal Ekonomi Teknologi dan Bisnis (JETBIS)

Islamic Fintech Digital Transformation: Organizational Readiness and Data Protection Compliance in Indonesia's 2025 Regulatory Framework

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Authors

SSSeptien Dwi SavandhaNSNur Muhamad Safii

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Overview

Systematic review reveals organizational readiness gaps in complying with data protection and Islamic finance regulations.

Key Points

  • Organizations face challenges in compliance with both Islamic fintech and personal data protection laws in Indonesia.
  • Key readiness dimensions identified include technological infrastructure (91.8%) and Sharia compliance (87.7%).
  • Thematic analysis of 73 studies highlights the importance of organizational culture (64.4%) in the regulatory adaptation process.
  • Leadership integration with Sharia boards is crucial, though existing frameworks need empirical validation for effectiveness.

Cite This Study

Savandha et al. (2025) studied this question.

synapsesocial.com/papers/68c23d81b210217d6478dacfhttps://doi.org/10.57185/jetbis.v4i5.197
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