Keywords
Artificial Intelligence
Sharia Bank Performance
How to Cite
Abstract
Artificial intelligence is promising for the banking sector. The application of artificial intelligence (AI) in the banking sector can provide positive benefits for banking, namely increasing profits, especially for Bank Syariah Indonesia. The aim of this research is to analyze the role of artificial intelligence (AI) in improving the performance of Bank Syariah Indonesia. The research was carried out by collecting articles from CrossRef published from 2019 to 2023, which will be classified based on the methods used and research results. After enumerating the articles according to keywords, methods, and research results, 16 articles were analyzed. The method used in this research is systematic literature review (SLR), which is used to examine methodological results, topics or themes, recommendations, and limitations of published articles. The results of this research show that artificial intelligence drives increased revenue through enhanced personalization of services to customers and employees at lower costs due to the existence of an automation system, reducing the level of human error, and making good use of existing resources. Apart from that, in the banking world, artificial intelligence can increase the ability to achieve extraordinary results in terms of increasing profits. The efficiency of increasing Bank Syariah Indonesia's profits is also driven by digital-based services through BSI Mobile, which reached 5.39 million registered users with total transactions reaching 170.70 million transactions as of June 2023. Artificial intelligence drives competitive advantage by increasing company efficiency by reducing costs and increasing productivity, thereby driving higher profitability.
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