Cybersecurity Governance in Islamic Digital Banking: A Maqashid al-Sharia Perspective

Abstract

Introduction/Main Objectives: This study analyzes the implementation of cybersecurity in Bank Muamalat's digital services from a maqashid al-sharia perspective, examining its alignment with the protection of customers' wealth, soul, and intellect in the realization of maslahah. Research Methods: This qualitative case study at Bank Muamalat Genteng Banyuwangi employed in-depth interviews, observation, and documentation with eight purposive informants. Data were analyzed using Miles and Huberman's interactive model with source and method triangulation. Finding/Results: Bank Muamalat implements cybersecurity measures in its Digital Islamic Network, reflecting hifz al-mal (wealth protection), hifz al-nafs (soul protection), with active user growth, and hifz al-'aql (intellect protection) through customer education, aligning with QS. Al-Maidah (5:90), which prohibits acts that destroy the intellect and the soul. Customers express satisfaction, although generational literacy gaps persist. Conclusion: Cybersecurity is crucial for realizing maslahah in Islamic digital banking. Integrating maqashid values and inclusive customer education is key to maintaining trust.