TRANSFORMATION OF ISLAMIC FINTECH IN ENHANCING FINANCIAL INCLUSION: DIGITALIZATION STRATEGY BASED ON MAQASHID SHARIAH

Syahrul Amsari : Universitas Muhammadiyah Sumatera Utara , Windu Anggara : Universitas Islam Negeri Sumatera Utara
Submitted: 27-03-2025 || Accepted: 14-04-2025 || Published: 28-02-2025

Abstract


Abstract: This study examines the transformation of Islamic fintech in enhancing financial inclusion through digitalization strategies based on the principles of maqashid shariah. The rapid development of Islamic fintech in Indonesia has significantly contributed to expanding financial access, particularly for underserved communities. However, challenges such as low financial literacy, limited digital infrastructure, and regulatory gaps hinder its full potential. This study employs a qualitative approach through in-depth interviews and document analysis to identify key strategies for strengthening the digitalization of Islamic fintech. The findings reveal that digital financial education, collaboration for infrastructure development, and enhanced regulatory frameworks are crucial for the sustainable growth of Islamic fintech. Digital financial literacy campaigns using artificial intelligence (AI) and social media platforms can enhance public awareness, while government collaboration can bridge the digital divide. Furthermore, regulatory improvements by the Financial Services Authority (OJK) and the National Sharia Council (DSN- MUI) are essential to ensure compliance with maqashid shariah. This study provides practical implications for stakeholders in the fintech industry, regulators, and policymakers in promoting an inclusive and sustainable Islamic financial ecosystem.


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DOI: https://doi.org/10.3059/insis.v0i0.23878

DOI (PDF): https://doi.org/10.3059/insis.v0i0.23878.g13200

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