PROSEDUR PEMBUKAAN REKENING TABUNGAN MELALUI APLIKASI DIGITAL ISLAMIC NETWORK (DIN) PADA PT BANK MUAMALAT KANTOR CABANG MALANG

Digital transformation in the Islamic banking sector has encouraged service innovation that is increasingly efficient and easily accessible to the public. This study aims to identify and analyze the procedure for opening a savings account through the Digital Islamic Network (DIN) application at PT Bank Muamalat Malang Branch Office, as well as evaluating the main obstacles faced and solutions that can be implemented. The research method used is qualitative descriptive, with a literature study approach, document analysis, and limited interviews as a complement to the data. The results of the study show that the DIN application has succeeded in providing convenience and speed in the process of opening an account digitally. However, several obstacles are still found, such as systems that are not fully digital, technical obstacles in the process of uploading documents and identity verification, as well as obstacles to digital literacy and data security. The proposed solutions include the implementation of end-to-end digitalization, strengthening e-KYC and biometric technology, developing more user-friendly applications, and digital literacy education for customers. The implications of this study emphasize the importance of innovation and continuous evaluation so that Bank Muamalat is able to become a pioneer in the development of digital Islamic banking services that are inclusive, safe, and adaptive to the needs of society in the digital era.