Abstract:

The development of the financial industry which is increasingly dynamic and closer to technology has created digital bank branches both Islamic and conventional banks to encourage bank activities in providing services to customers. Through the development of the increasingly complex financial industry, both both Islamic and conventional bank industry, it is necessary to have an independent institution outside the government, namely the Financial Services Authority, which can regulate and supervise the financial services sector in an integrated manner. This study aims to analyze the regulations governing the implementation of digital branches in Indonesia in both Islamic and conventional banks, and the application of digital branches in the study of Indonesian banking law. The results highlight the development of a business strategy that leads to digital banking services requires adequate infrastructure. Among other things, risk management, adjustment of information technology, business models, business processes, internal control, and human resources, to support the convenience, security and reliability of digital banking services in providing information, communication, registration, opening accounts, processing transactions, and closing account. The results are important to increase the application of digital services, especially for both Islamic banks in Indonesia.

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