مجلة الباحث الإقتصادي
Volume 14, Numéro 1, Pages 214-224
2026-06-30

Artificial Intelligence And Cybersecurity In Islamic Banking: An Empirical Study On Shariah Governance And Customer Trust At Bank Syariah Indonesia (bsi)



Authors : Hamel Dalila .

Abstract

In light of the rapid digital transformation in the financial sector, cybersecurity has become a critical concern for Islamic banks, where both technological efficiency and Shariah compliance are essential. This study investigates the role of Artificial Intelligence (AI) in enhancing cybersecurity within Islamic banking, focusing on Bank Syariah Indonesia (BSI) as a case study. Employing a mixed-method approach, the research integrates descriptive-analytical insights with empirical statistical analysis. Data were collected through a structured survey of 350 employees and customers of BSI during 2024 and analyzed using SPSS v.25 through frequency distribution, cross-tabulation, and multiple regression modeling. The findings reveal that more than half of respondents (51.4%) demonstrate high cybersecurity awareness, which is positively associated with elevated levels of customer trust. Regression results indicate that AI-based threat detection (β = 0.42), fraud prevention (β = 0.36), and Shariah compliance monitoring (β = 0.31) collectively explain 59% of the variance in customer trust. The study concludes that AI technologies not only strengthen cybersecurity measures but also enhance customer trust by ensuring compliance with Islamic ethical principles. The research contributes both theoretically, by bridging the gap between AI and Shariah-compliant cybersecurity, and practically, by providing evidence-based recommendations for Islamic financial institutions seeking secure and ethical digital transformation.

Keywords

Artificial Intelligence ; Cybersecurity; ; Shariah Governance; ; Islamic Banking ; Customer Trust; ; ; Bank Syariah Indonesia (BSI); ; ; Empirical Study

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