<![CDATA[Digital business development offers substantial opportunities for innovation and expanded service accessibility. However, gains in operational efficiency and technological adoption alone are insufficient to explain how the social benefits generated by digital transformation are equitably distributed. From the perspective of Islamic economics, this challenge necessitates an integrative analytical framework that connects technological capabilities, ethical principles, and stakeholder well-being. This article seeks to elucidate the interrelationships among technological innovation, Islamic business ethics, and social welfare, while developing a conceptual framework for the systematic evaluation of digital business models. Employing a conceptual research approach, the study undertakes an integrative synthesis of relevant empirical and theoretical literature, examining conceptual foundations, relational mechanisms, welfare-related indicators, and explanatory limitations across existing scholarship. The synthesis identifies trust, service adoption, and transaction efficiency as intermediate outcomes that should be analytically distinguished from substantive improvements in social welfare. Accordingly, the proposed framework establishes a conceptual nexus among technological capabilities, ethical governance, value creation and distribution, and social outcomes. Within this framework, amanah (trustworthiness) is operationalized through information transparency and data protection; ‘adl (justice) through equitable accessibility and benefit distribution; and maslahah (public welfare) through a systematic assessment of benefits and potential harms affecting relevant stakeholders. The principal conceptual contribution lies in articulating the mechanisms and boundary conditions through which technological innovation may translate into social welfare, while specifying evaluative indicators encompassing fee transparency, data security, accessibility for vulnerable populations, and the equitable allocation of benefits. The article argues that the socioeconomic contribution of digital business should be assessed not merely in terms of service uptake or operational performance, but also through the quality of ethical governance and the distributional consequences of digital value creation. The proposed framework provides a theoretical foundation for further conceptual development and the advancement of Islamic value-based digital business practices. Nevertheless, its underlying propositions require further normative validation, as well as cross-sectoral and longitudinal empirical investigation.]]>
