مجلة العلوم الإسلامية والحضارة
Volume 10, Numéro 2, Pages 51-86
2025-06-30
Fintech-driven Transformation Of Islamic Finance In The Arab Region: Addressing Institutional Asymmetries Through Structural Reconfiguration
Authors : Siham Rahmani .
Abstract
This study examines the impact of FinTech adoption on the structural transformation of Islamic finance in the Arab region, focusing on Addressing institutional asymmetries and advancing strategic frameworks. Employing a mixed-methods approach, it analyzes implementation patterns in digitally advanced contexts such as the Gulf Cooperation Council (GCC) countries, compared to less-equipped environments in the non-GCC MENA region, including North Africa and other Middle Eastern nations. The findings highlight operational efficiency, youth-driven innovation, and the rise of Shari’ah-compliant digital tools as key enablers of Islamic FinTech growth. Nonetheless, persistent challenges remain, including fragmented regulatory systems, weak Shari’ah governance, underdeveloped digital infrastructure, and limited institutional capacity. To overcome these barriers, the study proposes a strategic roadmap grounded in harmonized regulation, inclusive innovation, and context-sensitive models of Shari’ah governance. The results offer actionable insights for policymakers, regulators, and financial institutions aiming to build a resilient, integrated, and Shari’ah-compliant FinTech ecosystem across the Arab region and beyond.
Keywords
FinTech, Islamic Finance, Islamic FinTech, Arab Region, Institutional Asymmetries, Strategic Frameworks
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