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The existence of Islamic banks in the disruption era should be reinforced by accelerating financing process through an easier, more efficient and effective application using risk management based on Islamic principles. This legal research was aimed to exsplore regulation-s power of Islamic bank financing risk management and its application in BNI Syariah. The data was qualitatively analyzed using a systemic interpretation method. The results are; first, some regulations related to digital-based risk management of Islamic bank financing haven-t regulated credit scoring system and there is no fatwa from DSN-MUI concerning risk management guidelines of Islamic financing. Second, BNI Syariah financing starts applying digital-based risk management by screening process using Intranet LAN-based EFO (Electronic Financing Origination) application that the history data of customer transaction connected to Financial Information Service System (FISS/SLIK) managed by Financial Services Authority (FSA/OJK) will be easily recognized. Once the financing is given, risk mitigation is operated in BNI Syariah through ICONS (Integrated and Centralized Online System) application using Intranet LAN for checking customers- funds and debt transactions. Financing submission services are provided in offline, while the payment is provided in both offline and online (ATM, auto debit, mobile banking, and internet banking).