Збережено в:
| Автор: | |
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| Формат: | Recurso digital |
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| Опубліковано: |
Zenodo
2025
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| Предмети: | |
| Онлайн доступ: | https://doi.org/10.5281/zenodo.15647565 |
| Теги: |
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Зміст:
- <p>Abstract: The intersection of financial technology (fintech) and Islamic banking is<br>transforming the financial services landscape in Bangladesh, especially with the rise of Islamic<br>personalized banking services. This research examines how fintech plays a role in providing<br>Shariah-compliant, customer-oriented banking solutions that cater to the varied needs of the<br>Muslim community in Bangladesh. With the swift rise of mobile banking, artificial intelligence<br>(AI), blockchain, and data analytics, Islamic financial institutions in Bangladesh are<br>progressively utilizing fintech innovations to enhance service personalization, boost financial<br>inclusion, and adhere to Islamic principles. By employing a mixed-methods approach that<br>includes stakeholder interviews, case studies, and analyses of fintech adoption trends, the study<br>uncovers the main drivers, challenges, and regulatory factors influencing the integration of<br>fintech into Islamic banking services. The results indicate that while fintech has transformative<br>potential for customizing Islamic financial products—such as profit-sharing investment<br>accounts, Zakat management, and halal wealth advisory—the integration also raises issues<br>concerning Shariah governance, cybersecurity, and digital literacy. The research concludes with<br>policy suggestions aimed at reinforcing the regulatory framework, encouraging innovation<br>within Shariah boundaries, and advancing ethical fintech development that aligns with Islamic<br>socio-economic goals. This study contributes to the ongoing conversation about digital Islamic<br>finance and provides valuable insights for policymakers, financial institutions, and technology<br>providers in Bangladesh.</p>