<![CDATA[The advancement of financial technology (fintech) has had a significant impact on service innovation in Islamic banking. Various fintech-based solutions contribute to enhancing operational efficiency, expanding service accessibility, and ensuring transaction transparency in the Islamic finance system. Technologies such as digital payments, Sharia peer-to-peer lending, and Sharia crowdfunding enable the community to access financial services in accordance with Islamic principles more easily and quickly. This study aims to examine the role of fintech in strengthening Islamic banking services and its impact on financial inclusion and economic stability based on Sharia. Using a qualitative approach grounded in literature review, this research explores how the integration of fintech can drive the growth of the Islamic banking industry while also identifying the challenges faced, particularly related to regulation, financial literacy, and technology risks. Kemajuan teknologi finansial (fintech) telah memberikan dampak signifikan terhadap inovasi layanan dalam perbankan syariah. Berbagai solusi berbasis fintech berkontribusi dalam meningkatkan efisiensi operasional, memperluas aksesibilitas layanan, serta memastikan transparansi transaksi dalam sistem keuangan berbasis syariah. Teknologi seperti pembayaran digital, peer-to-peer lending syariah, dan crowdfunding syariah memungkinkan masyarakat memperoleh layanan keuangan sesuai dengan prinsip Islam dengan lebih mudah dan cepat. Penelitian ini bertujuan untuk mengkaji peran fintech dalam memperkuat layanan perbankan syariah serta dampaknya terhadap inklusi keuangan dan stabilitas ekonomi berbasis syariah. Dengan pendekatan kualitatif berbasis kajian literatur, penelitian ini mengeksplorasi bagaimana integrasi fintech dapat mendorong pertumbuhan industri perbankan syariah sekaligus mengidentifikasi tantangan yang dihadapi, terutama terkait regulasi, literasi keuangan, dan risiko teknologi.]]>
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