Platform

In this paper, we examined an effective business model for the ecosystem of Islamic FinTech for Resalat Islamic Bank. The article discussed three phases of Resalat Bank development as a Platform in formulating social business models that require new value propositions, value constellations, and profit equations, and as such, resembles business model innovation. The result of the qualitative method for comparing Resalat Bank and Grameen Bank indicated that the business model of Resalat Bank is more efficient than Grameen Bank. We also discussed the challenges of transformation from the "current Islamic banking business model" to "Islamic banking as a platform" and proposes a framework for "Islamic bank as a platform" at the macro and micro levels.

Objective : Service quality is vital in securing competitive advantage, fostering sustainable growth, and improving organizational performance—especially within digital platforms. Despite its recognized importance, the concept of digital service quality remains underdefined in existing literature. This study aims to address this gap by (i) identifying the key dimensions of service quality in online sales platforms and (ii) uncovering the specific components within each dimension.  Methodology: As an exploratory research study, the systematic literature review employed the Kitchenham model to identify relevant studies and establish a theoretical foundation for assessing service quality in online sales. The model consists of three main phases and seven stages: planning, conducting the review, and reporting. The seven procedural steps in Kitchenham’s approach are as follows: (i) formulating research questions, (ii) developing a search strategy, (iii) determining selection criteria, (iv) searching, (v) selecting studies, (vi) extracting and analyzing data, and (vii) ensuring quality control. Results : A systematic literature review since 1980, filtered by defined criteria, yielded 100 relevant sources using the Caldwell method. Through open coding, key components were extracted and grouped into categories, which were then clustered into three core themes for evaluating online store service quality: infrastructure, design, and trust. These encompass content relevance, responsiveness, credibility, and security. Conclusion : The conceptual model developed from the identified themes and categories offers a foundation for evaluating online store service quality and may be validated through future qualitative or quantitative studies. Recommended directions for further research include investigating the underlying causes of consumer distrust and assessing the influence of emerging technologies—such as blockchain, crowdsourcing, and artificial intelligence—on the dynamics of service quality.