Strategi Optimalisasi Digitalisasi Produk Perbankan pada Bank Syariah Indonesia


 Along with changes in technology and life all fields, agencies strive to create innovations that have more capabilities providing the best useful services for all. A revolutionary change any need so it can be served one application is called digitization. Digitalization banking world plays an important role a must mindset. As result of digitalization, customers access things quickly, efficiently, flexibly anywhere anytime. The purpose this study determine benefits, opportunities, costs, risks digitizing products strategy optimizing digitization at Indonesian Islamic Banks. type research conducted qualitative quantitative. In study, data used are primary secondary data. method Analytic Network Process (ANP) using BOCR network (Benefit, Opportunity, Cost Ratio). results benefits products, namely environmentally friendly, product, service, reach, economical. Opportunity digitize financial management solutions, internet use, new technologies, collaboration other sectors, experience. costs investment capital, operational cost efficiency, transaction promotion complaint due level public literacy, safety, promotion, networking, privacy rights. Meanwhile, Bank Syariah Indonesia, namely: socialization, cross selling branchless services, system strengthening, development features, collaborating fintech, commitment continue innovate.
 Keywords : Benefit Risk, Banking Products, Optimization Strategy