Abstract

        Through digitization, banks can deliver personalized offerings, enhance customer experience and improve work flow, as many digital transformation initiatives for banks include automation and use of digital solutions such as artificial intelligence. Given that all businesses are digitized, it is not an option for the banking sector, rather, it is an urgent and definite necessity ,  especially  in light of the widespread use of smart phones, where the growth of smart phone banking services has become more rapid than Internet banking.Many Islamic banks still operate traditionally with higher costs and lower transaction volume.Islamic banks can see benefits from digitizing their services in all areas of banking.Under the slogan of pushing the boundaries of innovation through its technology-based mindset, and the spirit of simplifying financial matters for customers, BisB has reinforced its aggressive orientations towards digitization and innovation, and support his endeavor to keep pace with the latest technologies in the field of banking technology, with the aim of improving and expanding the range of safe and innovative banking services it provides to customers.