Digitalisasi Produk Bank Konvensional Dan Bank Syariah Di Indonesia

Technological developments make the world borderless. The development of information and communication technology has touched banking sector. Based on operational system, types banks can be divided into conventional Islamic banks. This study aims to explain digitalization bank products in Indonesia. method used this research is normative legal research. As one efforts increase capability, more optimal utilization a prerequisite supporting service innovation. Therefore, digital very potential business opportunity an inevitable necessity sector era. In addition increasing efficiency activities, improve quality customers transactions. Financial Services Authority Republic Indonesia then issued Regulation Number 12/POJK.03/2018 concerning Implementation Digital Banking by Commercial Banks. There are forms e-Banking services that at banks, namely ATM (Automated Teller Machine), EDC (Electronic Data Capture), internet banking, SMS mobile e-Commerce, phone video.