Integration of Financial Technology (Fintech) with Islamic Finance: Literature Review and Future Research Agenda

Suci Canda Ati, Zaenavi Ariani, Nur Fitri Hidayanti, Muhammad Syarif, Novi Yanti Sandra Dewi

Abstract


Abstract: This study aims to examine the integration between financial technology (fintech) and Islamic finance using a library research approach with an integrative review method. This method synthesizes both empirical and conceptual findings from relevant literature to construct a comprehensive understanding and formulate a future research agenda. Data were collected from leading academic databases such as Google Scholar, Scispace, DOAJ, and Scopus, with inclusion criteria covering articles published between 2015 and 2024, relevant to the topic, and available in full-text format. The findings reveal that although the integration of Islamic fintech faces significant challenges such as uneven digital infrastructure, complex technology adoption, and evolving regulatory frameworksit offers substantial opportunities. Islamic fintech is seen as a catalyst to expand financial inclusion, drive value-based innovation, and strengthen the ethical and sustainable nature of Islamic finance. Future research should adopt a holistic and interdisciplinary approach, addressing not only technical development but also regulatory alignment, digital literacy, and the long-term sustainability of Islamic financial systems in the digital era.


Keywords


Islamic Fintech, Sharia Compliance In Fintech, Financial Technology and Islamic Finance, Halal Investment Platform, Digital Islamic Banking.

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References


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