<![CDATA[The digitalization of financial services has fundamentally transformed Islamic banking, ranging from digital account opening and application-based financing to artificial-intelligence-driven chatbot services. Behind these efficiency gains lies a fundamental question of whether this digital transformation remains grounded in maqashid shariah, namely the preservation of religion, life, intellect, lineage, and property, or instead creates a new form of financial exclusion for digitally underserved vulnerable groups. This study aims to analyze the extent to which Islamic banking digitalization practices in Indonesia align with maqashid shariah principles and their contribution to just financial inclusion. The study employs a descriptive qualitative approach through library research and document analysis of annual reports, Financial Services Authority policies, and related academic literature. Data were analyzed using content analysis techniques with the maqashid shariah index as the analytical framework. The findings indicate that Islamic banking digitalization contributes positively to the hifz al-mal (protection of property) dimension through transaction efficiency and expanded service reach, yet still faces challenges in the hifz al-din and hifz al-nasl dimensions due to digital literacy gaps, minimal integration of shariah values in application interfaces, and the risk of algorithmic bias in financing eligibility assessments. This study recommends the explicit integration of maqashid shariah values into digital product design and the strengthening of shariah-based consumer protection regulations so that digital transformation genuinely delivers financial justice for all levels of society.]]>
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