Technology Integration in Islamic Finance: A Literature Review of Fintech's Role in Enhancing Financial Inclusion

Veni Edriani, Zaenafi Ariani, Nur Fitri Hidayanti, Ahadiya Agustina, Novi Yanti Sandra Dewi, Ahmad Hulaimi

Abstract


Abstract: This study aims to examine the role of financial technology (fintech) in enhancing financial inclusion within the Islamic finance sector through a Library Research approach using an Integrative Review design. The study synthesizes literature from academic databases such as Google Scholar, Scopus, DOAJ, and Scispace, with inclusion criteria covering articles published between 2015–2024, written in English or Indonesian, and relevant to topics such as Islamic finance, fintech, or financial inclusion. The selection process follows PRISMA principles to ensure transparency and rigor. Findings reveal that Sharia-compliant fintech plays a strategic role in expanding access to Islamic financial services, particularly for individuals in remote areas and vulnerable groups. Technological innovation, regulatory support, and multi-stakeholder collaboration are key drivers of inclusion. The study also identifies research gaps regarding the long-term impact and sustainability of Islamic fintech business models. This synthesis is expected to enrich academic understanding and provide practical insights for policymakers and Islamic finance industry players.

Keywords


Fintech, Islamic Finance, Financial Inclusion, Integrative Review, Digital Technology.

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References


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