Digital Transformation of Retirement Savings Services: Enhancing Efficiency and Sharia Economic Benefits at Taspen Cirebon

Nabiela Rizki Alifa; Risma Aulia Irawan; Akbar Riskal Amani

doi:10.28918/qmrdxc29

Authors

Nabiela Rizki Alifa UIN Sunan Gunung Djati Bandung
Risma Aulia Irawan UIN Sunan Gunung Djati Bandung
Akbar Riskal Amani Academy of Sciences Malaysia

DOI:

https://doi.org/10.28918/qmrdxc29

Abstract

Digital transformation has become a vital strategy for modernizing public services in Indonesia. This study examines the digitization of Old Age Savings services through the Taspen Online Service (TOS) at PT Taspen (Persero) Cirebon Branch and evaluates its impact on service efficiency, public welfare, and digital trust within the framework of Sharia economics. Employing a descriptive qualitative approach, data were gathered via observation, in-depth interviews, and service documentation. Findings reveal that TOS implementation reduced service processing time from an average of 3–5 days to just 1 working day, enhanced employee productivity, and broadened service accessibility. Additionally, the digitization process improved public welfare by facilitating easier access and promoting transparency. The study underscores the importance of digital security and trust in safeguarding participant data and building public confidence in online services. These results affirm the applicability of the Technology Acceptance Model, Digital Transformation principles, and Good Governance theory in advancing digital public service delivery within the Sharia economic context

Keywords:

Digital transformation, Taspen Online Service, public service efficiency, good governance

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