مجلة البشائر الاقتصادية

Artificial Intelligence In Islamic Finance For Startups: Opportunities, Developments And Financial Innovation Perspectives

Auteurs : Bouchelghoum Fella . Salmi Ahmed .

Résumé

The rapid advancement of artificial intelligence (AI) is transforming the global financial sector, creating new opportunities for Islamic finance. This study examines the role of AI in enhancing Islamic financing for startups in Algeria, with a focus on operational efficiency, Shariah compliance, and financial inclusion. A quantitative approach was adopted through an online survey targeting startup founders, Islamic finance experts, researchers, and incubator managers. The findings reveal that AI significantly improves funding decision quality, compliance monitoring, and access to Islamic financial services. However, inadequate digital infrastructure and limited specialized expertise remain major barriers to implementation. Respondents also expressed reservations regarding the complete automation of religious oversight functions. The study concludes that AI can strengthen the ethical and operational foundations of Islamic finance when supported by appropriate governance mechanisms. It recommends the development of a dedicated regulatory framework, investment in digital infrastructure, and stronger university industry collaboration to foster sustainable innovation in Algeria’s Islamic fintech ecosystem.

Mots clés

Artificial intelligence; Islamic finance; fintech startups; Shariah compliance; financial innovation.