<![CDATA[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.]]>
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