Özet:

Islamic Fintech is a disruptive force in the financial sector, promising increased financial inclusion, economic development, and a plethora of efficient, transparent, Shariah-compliant financial solutions due to its integration of technology with Islam’s profound ethical principles. This paper examines “Islamic Fintech,” a swiftly expanding component of the global financial ecosystem that combines financial technology with Shariah principles derived from the Holy Qur’an and the Sunnah. This burgeoning industry seeks to align finance with Islamic ethical and moral codes, with an emphasis on the prohibition of usury, speculation, and investments in immoral goods. This paper also examines the origins, applications, and regulatory governance of Islamic Fintech. It highlights the breadth of its innovative applications, such as Shariah-compliant digital banking, crowdfunding, and P2P lending platforms, as well as the incorporation of cutting-edge technology such as AI and machine learning for risk assessment and investment strategies, blockchain technology for Islamic cryptocurrencies, and Insurtech for the streamlined distribution of Islamic insurance products. In addition, the paper elaborates on the delineates the role of RegTech in Islamic fintech, discussing its applications and potential. The emergence of Islamic Fintech highlights the global desire to combine ethical finance with modern technical advancements. The article considers Islamic Fintech’s potential popular appeal as a preferred financial system, emphasising the balance between rapid technology innovation and deep-rooted Shariah norms.

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