Abstract:
This report looks at the technological tools and digital systems used by Shahjalal Islami Bank PLC (SJIBL) to improve operational efficiency, compliance, and customer satisfaction while following Shariah-based banking principles. Since it started in 2001, SJIBL has expanded its network across the country and adopted modern banking solutions to stay competitive in the fastchanging financial sector. The study examines eight key tools: Core Banking System (CBS), HRMS, S-3 Sanctions Screening, Inventory Management, Central Circular Management, Ticket Management, ESignature, and Mobile Apps (SJIBL Net & TouchPay). Each tool has increased transparency, service quality, and digital access for both employees and customers. The findings show that while these systems have greatly improved efficiency, real-time services, and compliance, challenges like technical complexity, stock mismatches, false positives in sanctions screening, low rural adoption, and cybersecurity risks still exist. The report suggests ongoing staff training, system integration, AI-powered compliance tools, offline backup solutions, digital literacy campaigns, and stronger security measures to address these challenges. Overall, this study highlights that effectively using digital tools not only enhances SJIBL’s internal management and customer service but also supports its goal of becoming the leading Shariah-based financial brand in Bangladesh, ensuring lasting value for all stakeholders.
