Integrasi Kecerdasan Buatan Dalam Fintech Syariah: Kajian Konseptual
Keywords:
Kecerdasan Buatan, Fintech Syariah, Maqashid SyariahAbstract
Integrasi kecerdasan buatan (AI) dalam financial technology (fintech) syariah berpotensi meningkatkan efisiensi, transparansi, dan inklusi keuangan. AI berperan dalam otomatisasi kepatuhan syariah, deteksi penipuan, dan pengembangan robo-advisory berbasis etika Islam. Namun, tantangan seperti transparansi algoritma, bias data, dan kesesuaian dengan maqashid syariah masih menjadi kendala utama yang perlu diatasi untuk memastikan keadilan dan akuntabilitas sistem keuangan berbasis syariah. Penelitian ini bertujuan mengembangkan kerangka konseptual integrasi AI dalam fintech syariah dengan mempertimbangkan aspek teknologi, etika Islam, dan regulasi kelembagaan. Metode penelitian yang digunakan adalah kajian konseptual berbasis analisis literatur dengan pendekatan content analysis dan sintesis tematik. Hasil penelitian menunjukkan bahwa AI dapat meningkatkan efisiensi layanan fintech syariah dengan tetap mempertahankan prinsip-prinsip Islam. Namun, regulasi dan governance yang adaptif sangat diperlukan untuk mengurangi risiko bias dan meningkatkan transparansi sistem. Kesimpulannya, penerapan AI harus selaras dengan maqashid syariah dan didukung regulasi yang jelas agar dapat meningkatkan inklusi keuangan serta kepercayaan dalam ekosistem fintech syariah.
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