Abstract
ABSTRACT
 Digital banking and the accountability of good zakat can increase interest in paying zakat on the benchmarking of sharia. On the other hand, technological advances such as the use of artificial intelligence make the role of human resources shifted. Even though human resources (labor) are one of the potential sources of zakat revenue. Zakat literacy and interest in paying zakat are also low in Islamic banking. The researcher did not find zakat data in statistical reports on Islamic banks nationally. It seems that it was only found in the presentation of reports about the sources and uses of private Islamic bank zakat funds. This can lead to the perception that Islamic banks do not optimally manage zakat. Through literature studies, researchers provide a solution to how zakat management can be done to increase interest in paying zakat but can still maintain the use of human resources (work). The conclusion obtained is that interest in paying zakat on Islamic banks cannot be maximally realized if it is not supported by internal efforts. Efforts that can be made are transparency of zakat reports, increased literacy, acceleration and optimization of digital management of Islamic bank zakat.
Highlights
Digitalization of the economy continues to innovate and develop to face global economic competition, efforts to build halal ecosystems and support economic empowerment of the community.1One of the concerns is the Sharia Banking Industry in Indonesia which is experiencing tremendous challenges facing stiff competition from digital bankingbased services.2 In addition, the achievement of the development of Islamic banks to date has not been able to meet the expected targets.3 With the use of technology, it is hoped that banking sharia will make a variety of new innovations, for example developing digital-based bank services to support the performance of Islamic financial institutions (Vebiana, n.d.)
Sharia banking is chosen as the object of research because it has the obligation to report zakat funds as PSAK 101 so that it makes it easier for researchers to obtain sources of information about the potential of zakat on banking based on these sharia principles
Based on previous research conducted by previous researchers, researchers reformulated in the form of a model of development efforts that can be done to increase the interest of muzaki to pay zakat through Islamic financial institutions, especially in this case as an alternative to overcome the problems that arise as previously described
Summary
Digitalization of the economy continues to innovate and develop to face global economic competition, efforts to build halal ecosystems and support economic empowerment of the community.1One of the concerns is the Sharia Banking Industry in Indonesia which is experiencing tremendous challenges facing stiff competition from digital bankingbased services. In addition, the achievement of the development of Islamic banks to date has not been able to meet the expected targets. With the use of technology, it is hoped that banking sharia will make a variety of new innovations, for example developing digital-based bank services to support the performance of Islamic financial institutions (Vebiana, n.d.). Digitalization of the economy continues to innovate and develop to face global economic competition, efforts to build halal ecosystems and support economic empowerment of the community.. With the use of technology, it is hoped that banking sharia will make a variety of new innovations, for example developing digital-based bank services to support the performance of Islamic financial institutions (Vebiana, n.d.). "The level of customer satisfaction in using financial technology can affect their loyalty to banks"4 "The development of digital banking culture has a very significant role in financial inclusion. This is the reason why banks are increasingly interested in utilizing digital technology as much as possible.
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