مجلة المنتدى للدراسات والابحاث الاقتصادية
Volume 9, Numéro 2, Pages 374-393
2025-12-07
Lean Banking: An Approach To Improve Service Quality In Islamic Banks In The Era Of The Digital Revolution- Case Study: Al Salam Bank Algeria
Authors : Tedjani Mohammed Elhafed . Keddi Abdelmadjid .
Abstract
This paper explores the Lean Banking role in improving Islamic banking service quality amid the Digital Revolution; it traces the evolution of Lean thinking from industry to Islamic financial services. A conceptual model is proposed, integrating Lean tools with Sharia compliance and digital innovation. Digitization is shown to combat inefficiencies like redundancy and slow processes in Islamic banks. Al Salam Bank Algeria serves as a case study, applying Lean through AI, RPA, and performance reengineering. Empirical findings reveal a specific type of inefficiency "Sharia waste" from non-compliance in contracts. Three main sources of waste are identified: rigid administrative culture, weak training, and tech–Sharia disconnect. The study confirms that quality and efficiency in Islamic banks require Sharia-focused operational reform since Lean principles alone are insufficient without Sharia governance integration and skill development. The paper advocates for a responsive, ethical, and digitally empowered Islamic banking model.
Keywords
Banking Service Quality ; Lean Approach ; Lean Islamic Banking ; Waste Reduction ; Sharia Compliance ; Value Creation
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