مجلة البحوث القانونية و الاقتصادية
Volume 9, Numéro 1, Pages 372-399
2026-01-01

The Role Of Islamic Fintech In Enhancing Digital Financial Inclusion: Reality And Prospects



Authors : Boukahla Hadja Khadidja . Beghdad Bey Ghali .

Abstract

This study aims to highlight a crucial roleof Islamic fintech in enhancing digital financial inclusion , by providing Shariah-compliant financial services accessible to underserved Muslim populations. Through tools such as mobile banking, Blockchain , and peer-to-peer(P2P) financing, it provides ethical, interest-free, and accessible financial solutionsfor unbanked and underbanked populations. Additionally, digital Zakat, Wakf, and cowdfunding initiatives contribute to reduce poverty. The study conclued that islamic financial technology is growing and expanding significantly as an indispensable economic necessity. However, the field of using Islamic fintech still needs to overcome many challenges that hinder its expansion globally.

Keywords

Fintech ; Islamic Fintech ; digital financial inclusion ; startup ; digitization.

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