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All Journal International Journal of Educational Review, Law And Social Sciences (IJERLAS) Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) International Journal of Social Science, Educational, Economics, Agriculture Research, and Technology (IJSET) AGILITY: Jurnal Lentera Manajemen Sumberdaya Manusia Jurnal Intelek Dan Cendikiawan Nusantara Journal of Accounting Research, Utility Finance and Digital Assets (JARUDA)
A. Hadi Arifin
Universitas Malikussaleh
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Social Sciences Other

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SYSTEMATIC LITERATURE REVIEW MAPPING OF GLOBAL, REGIONAL AND LOCAL FINTECH ADOPTION FROM THE PERSPECTIVE OF SHARIA ECONOMICS Fuadi; A. Hadi Arifin; Iskandar; Azharsyah Ibrahim
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 5 No. 5 (2026): APRIL
Publisher : RADJA PUBLIKA

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Abstract

This study aims to map global, regional, and local trends in Financial Technology (FinTech) adoption from the perspective of Islamic economics through a Systematic Literature Review (SLR). The review examines the development of FinTech, particularly the integration of Artificial Intelligence (AI), open banking, RegTech, and digital financial services in the financial and banking industries worldwide and in Indonesia. The findings indicate that FinTech adoption has significantly transformed the financial sector by improving operational efficiency, enhancing customer experience, strengthening fraud detection, and expanding financial inclusion. At the global level, the rapid growth of open banking and AI-driven financial services reflects an increasing shift toward digital financial ecosystems. In Indonesia, FinTech adoption has accelerated digital transformation in banking and financial institutions, contributing to improved service quality and operational effectiveness. However, challenges related to cybersecurity, data privacy, ethical concerns, regulatory compliance, and systemic risks remain critical issues. From the perspective of Islamic economics, particularly the concept of maslahah mursalah, the literature suggests that Sharia FinTech can provide substantial benefits by promoting financial accessibility, efficiency, transparency, and economic welfare while maintaining compliance with Islamic principles. The study concludes that FinTech adoption generally supports the objectives of maqashid shariah by facilitating economic empowerment and public welfare, provided that technological innovation is accompanied by robust governance, cybersecurity measures, transparency, and regulatory oversight.
Co-Authors Aiyub Aiyub Azharsyah Ibrahim Chalirafi, Chalirafi Dewi Nirmala Sari EM Yusuf Iis Fadhila Khairani Husna Filzah Zarifah Zahra Harahap Fuadi Fuadi Ibrahim Qamarius Ikramuddin, Ikramuddin Iskandar Isna Septia Junita Munasari Khairawati Khairawati Liani Sabrina Maisyura Maisyura Matriadi, Faisal Mohd. Heikal Mutiara Lamuna Neza Alkhaira Nurmala Salimin Wulan Dara Sari Arhas YANITA YANITA