Analisis Efektivitas Transaksi Emas Digital Melalui Aplikasi Bsi Mobile Dibandingkan Layanan Emas Fisik

The rapid development of financial technology (fintech) has transformed investment services, including digital gold investment, which has gained increasing public interest due to its convenience and transaction flexibility. This study aims to analyze the effectiveness of digital gold transactions through the BSI Mobile application compared to physical gold services from the perspective of Islamic fintech. This research employed a qualitative approach using a descriptive comparative method. Data were collected through in-depth interviews with informants selected using purposive sampling based on their direct experience with both digital and physical gold transactions. Data analysis followed the Miles and Huberman model, consisting of data reduction, data display, and conclusion drawing. The findings indicate that digital gold transactions through the BSI Mobile application are perceived to be more effective than physical gold transactions, particularly in terms of time efficiency, ease of access, and information transparency. Furthermore, the legal status of Bank Syariah Indonesia (BSI), supervision by the Financial Services Authority (OJK), and oversight by the Sharia Supervisory Board (DPS) enhance users' trust in the security and legitimacy of digital gold transactions. Nevertheless, physical gold is still considered superior in terms of psychological ownership certainty, as the asset can be physically possessed and directly observed. From the perspective of Islamic law, digital gold transactions are considered permissible, provided that they comply with Sharia principles, including the existence of a clear contract (akad), an underlying asset, certainty of ownership, and the absence of riba (usury), gharar (uncertainty), and maysir (gambling/speculation). This study concludes that digital gold investment through the BSI Mobile application represents a more effective investment alternative than physical gold services within the context of Islamic fintech.