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All Journal JIFTECH: Journal Of Islamic Financial Technology
Munshi Md Ashfaqul Alam
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Economics, Econometrics & Finance

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Integrating FinTech, AI, and Cybersecurity in Islamic Banking: A Shariah-Compliant Framework for Innovation and Risk Management Zahiduzzaman Zahid; Md. Shahed Alamm; Munshi Md Ashfaqul Alam; Md. Syful Islam; Md. Mozammel Hoque
Journal of Islamic Financial Technology Vol 5, No 1 (2026)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jiftech.v5i1.19432

Abstract

This study investigates the integration of Financial Technology (FinTech), Artificial Intelligence (AI), and Cybersecurity within Islamic banking, emphasizing adherence to Shariah principles amid digital transformation. Drawing on recent advancements (2023-2026), including AI-driven compliance tools and regulatory reforms in GCC countries, the research proposes the Shariah-Tech Adoption Framework (STAF), which extends the Technology Acceptance Model (TAM) by incorporating Perceived Shariah Compatibility (PSC) as a moderator. Through mixed-methods analysis—surveys of 150 stakeholders and case studies from institutions like Dubai Islamic Bank and Al Rajhi Bank—the findings reveal that these technologies enhance financial inclusion (30% growth in access), operational efficiency (25% faster processing), and fraud reduction (15-20% via blockchain). However, barriers such as cultural resistance (35% in emerging markets) and regulatory ambiguity persist. The paper offers policy recommendations for scalable adoption, including ethical AI governance and zero-trust cybersecurity models, to foster sustainable growth in Islamic finance projected to reach $5.9 trillion by 2026. This work contributes novel theoretical insights and practical strategies for balancing innovation with Islamic ethics.
Co-Authors Md. Mozammel Hoque Md. Shahed Alamm Md. Syful Islam Zahiduzzaman Zahid