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