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FinTech in Islamic Financial Institutions

Scope, Challenges, and Implications in Islamic Finance

This book explores several challenges facing FinTech in Islamic financial institutions. Firstly, large banks and financial institutions in countries with updated and innovative technological channels will earn the technology arbitrage from FinTech. This ‘size’ puzzle may create a challenge for Islamic financial institutions that are of smaller size and from technologically less-developed countries. Secondly, while access to FinTech is getting broader day by day, usage of FinTech is still limited due to personal and governance-related limitations. Moreover, the level of awareness of the emerging FinTech services (i.e., bitcoin, blockchain, etc.) remains extremely poor even among the residents of technologically-advanced countries. Thirdly, use of FinTech by Islamic financial institutions is limited to Islamic banking, to users from developed countries, among young customers, and for a limited number of traditional banking services such as the deposits and payment services. Also, banks hope to use FinTech to increase the size of a new breed of technology-savvy depositors and loan customers to achieve economies of scale, which may help stabilize the banking sector. Automation in Islamic banks and the participation of Islamic financial institutions in blockchain and bitcoin domains require extensive research from Shariah-compliance as well as market and consumer-related grounds. With all the opportunities and challenges of FinTech—promoting inclusion, easier loan monitoring, and risk of Shariah non-compliance—this book explores the implications for Islamic financial institutions and will be of interest to scholars, researchers, and students of Islamic finance and financial technology.

Journal of Culinary Science and Technology, 15(3), 223–238. ... In 2020 International Conference on Sustainable Futures: Environmental, Tech- nological, Social and Economic Matters, ... Entrepreneurship: Theory and Practice.

Islamic Wealth and the SDGs

Global Strategies for Socio-economic Impact

The SDGs, developed by the UN in 2012, focuses on 17 goals for the betterment of humanity and humanitarian causes. Among the core objectives of Shari'ah in Islamic finance is to offer a helping hand, emphasizing the efforts and scope of the SDGs. This book explores how Islamic ethical wealth is structured to contribute to the SDGs and an overall socio-economic impact within the principles of Maqasid al-Shari’ah. Focusing areas such as Islamic micro-finance, wealth inclusion, corporate and agro-Zakat, Awqaf, SRI Sukuk, and green Sukuk, this book will feature contributions from the leading researchers in sustainability and Islamic finance and will be of interest to scholars, researchers, industrialists, NGOs, UNDP and students studying both areas.

He has published over 70 original scientific papers in the field of pharmacology, pharmacy practice, public health, ... Part-Time Programme at the Centre for Entrepreneurship Development (CED), Yaba College of Technology Nigeria.

Enhancing Financial Inclusion through Islamic Finance, Volume I

This book, the first of two volumes, highlights the concept of financial inclusion from the Islamic perspective. An important element of the Sustainable Development Goals (SDGs), financial inclusion has been given significant prominence in reform and development agendas proposed by the United Nations and G-20. The significance of Islamic financial inclusion goes beyond improved access to finance to encompass enhanced access to savings and risk mitigation products, as well as social inclusion that allows individuals and companies to engage more actively in the real economy. It represents one of the important drivers of economic growth. Gender disparity exists within financial access and its extent varies widely across world economies. South Asia, the Middle East and North Africa have the largest gender gaps, with women in these regions being forty per cent less likely than men to have a formal account at a financial institution. Analysing how Islamic financial inclusion can empower individuals, this volume explores the contribution of Islamic microfinance in achieving SDGs and solving income and wealth inequality. Comprising a combination of empirical evidence, theory and modelling, this edited collection illustrates how to improve access to finance, making it essential reading for those researching both Islamic finance and development finance.

His wide research interests include financial inclusion, poverty alleviation, and sustainable practices through disruptive technologies. He is the published author of Belief and Rule Compliance and Blockchain, Fintech and Islamic ...

Financial Technologies and DeFi

A Revisit to the Digital Finance Revolution

The hunt for new forms of value generation is shaping the future of economic and financial interactions, leading to the emergence of innovative business models and technological enablers. Other than challenging our time and space limits, such technological advancements, in some cases, have allowed the generation of value at nearly zero marginal cost. Inevitably, emergent tech solutions are fundamental game changers in digital and conventional finance. In this regard, the book fleshes out the core developments and trending fintech 2.0 solutions that pause challenges and bring opportunities for businesses and economies. It comprises nine main chapters with collective insights and interdisciplinary perspectives covering the business, tech, and regulatory layers of financial technologies and decentralized finance. Besides, the book illustrates how to leverage these state-of-the-art technologies for the evolving digital and decentralized finance world. The book targets a broad audience of researchers, academia, industry professionals, fintech enthusiasts, and the general business audience with timely data and up-to-date cases.

In this regard, the book fleshes out the core developments and trending fintech 2.0 solutions that pause challenges and bring opportunities for businesses and economies.

Procurement Finance

The Digital Revolution in Commercial Banking

This book presents a business model on how to structure the relationship between financial services and procurement. The need for new models is particularly important to support small and medium enterprises (SMEs) where there is an evident difficulty in accessing credit. Due to this context, innovative solutions must be introduced. The objective of this book is to determine how innovation can support the dynamic and volatile international context and the increasingly relevant function of procurement. It is becoming more and more important to take into account complex international transactions with notably long payment terms. Organizations need to manage the best way to handle the financial relationships and the risks related to credit provision and payments. This book presents an end-to-end support to procurement, including trade finance, supply chain finance, and related payments. In addition, the enterprises need to keep sufficient liquidity levels in the short and medium term. This is a constant challenge today, with the turbulence of financial markets and a continuing climate of economic uncertainty making it harder to obtain external funding. Businesses need to optimize the working capital. This can be done through the innovative concept of procurement finance, which allows SMEs to benefit by the new vision of collaborative procurement. This book provides several practical examples of advanced procurement finance solutions. It demonstrates how the use of process improvement and technology can help in overcoming the current financially difficult situation. In addition, based on the business model presented, the integrated approach to procurement finance allows sustainable solutions which will be of interest to academics, researchers, managers, and practitioners in both buyer and vendor companies, as well as in banks and other financial institutions.

This can be done through the innovative concept of procurement finance, which allows SMEs to benefit by the new vision of collaborative procurement. This book provides several practical examples of advanced procurement finance solutions.

Big Data and Artificial Intelligence in Digital Finance

Increasing Personalization and Trust in Digital Finance using Big Data and AI

This open access book presents how cutting-edge digital technologies like Big Data, Machine Learning, Artificial Intelligence (AI), and Blockchain are set to disrupt the financial sector. The book illustrates how recent advances in these technologies facilitate banks, FinTech, and financial institutions to collect, process, analyze, and fully leverage the very large amounts of data that are nowadays produced and exchanged in the sector. To this end, the book also describes some more the most popular Big Data, AI and Blockchain applications in the sector, including novel applications in the areas of Know Your Customer (KYC), Personalized Wealth Management and Asset Management, Portfolio Risk Assessment, as well as variety of novel Usage-based Insurance applications based on Internet-of-Things data. Most of the presented applications have been developed, deployed and validated in real-life digital finance settings in the context of the European Commission funded INFINITECH project, which is a flagship innovation initiative for Big Data and AI in digital finance. This book is ideal for researchers and practitioners in Big Data, AI, banking and digital finance.

This open access book presents how cutting-edge digital technologies like Big Data, Machine Learning, Artificial Intelligence (AI), and Blockchain are set to disrupt the financial sector.

Fintech, Digital Currency and the Future of Islamic Finance

Strategic, Regulatory and Adoption Issues in the Gulf Cooperation Council

The banking and financial landscape has been inundated with technology over the last decade, with FinTech, InsurTech and RegTech being just some of the new applications within finance. In the Gulf Cooperation Council (GCC), FinTech is yet to find its feet despite several digital transformation drives initiated by the regional governments in the UAE and Bahrain. In comparison to conventional finance, the use of FinTech within Islamic financial institutions (IFIs) in GCC countries is still in its very early stages. However, the potential disruption that technology may cause for the Islamic finance sector within this region cannot be underestimated. Aiming to highlight, examine and address key strategic, operational and regulatory issues facing IFIs as they make an effort to keep up with the FinTech revolution, this book explores the market positioning, product structure and placement, delivery channels and customer requirements within the GCC market. The authors evaluate the current situation and look forward to future regulation surrounding technology and financial institutions within the GCC. Scholars and students researching Islamic finance and financial technology will find this book an insightful and valuable read, as well as those interested in international finance more generally.

The study makes use of bank-level data for Islamic and conventional banks and macro-level data for Malaysia. It consists of panel data from 2009 to 2016. Malaysia was ranked among the high emergence of the financial technology market, ...

Handbuch Corporate Citizenship

Corporate Social Responsibility für Manager

Hier liefert ein versiertes Autorenteam die fundierte Gesamtsicht der vielfältigen Anwendungen von Corporate Social Responsibility (CSR) und Corporate Citizenship. Es bietet Managern und CSR-Verantwortlichen das erforderliche Rüstzeug, um mit der gesellschaftlichen Verantwortung des Unternehmens Wettbewerbsvorteile zu erzielen und so einen nachhaltigen Unternehmenswert aufzubauen. Ein Ideenkatalog mit praxisbezogenen Vorschlägen für die Umsetzung, der zugleich wertvolles wissenschaftliches Hintergrundwissen vermittelt. Plus: Insiderwissen von Praktikern aus unterschiedlichsten Bereichen zur erfolgreichen Anwendung der Corporate Citizenship.

Hier liefert ein versiertes Autorenteam die fundierte Gesamtsicht der vielfältigen Anwendungen von Corporate Social Responsibility (CSR) und Corporate Citizenship.

International Economic Co-Operation and the World Bank

On December 14, 1945, the House of Commons voted 314 to 50 to ratify the Agreements negotiated at Bretton Woods, New Hampshire, nearly a year and a half earlier. Lord Keynes had returned from Washington to defend the Fund and the Bank, of which he and Harry White were the principal authors, as well as to justify an American loan to Britain - following President Harry S. Truman's abrupt postwar decision to terminate all land-lease assistance to its wartime allies, an event which induced the Conservative MP Robert Boothby, to declare: 'This is our economic Munich'. Today, fifty years later, virtually all the governments of the world have become members, and the capital subscriptions have increased many fold. But questions have arisen. Perhaps the Fund and the Bank should be merged. Some argue that fifty years are enough, at least for the Bank. Others believe that, while expansion should continue, the emphasis should be redirected toward the alleviation of poverty in Africa and southern Asia. This is an account of the historic events of the interwar years and after. It is also a story about the liberal philosophies of the political economists, primarily British and American, who produced two of the great international institutions of our time.

Furthermore, their accession to power severed what remained of the tenuous link between the working Bank and those who had conceived it. Vice President Robert Garner probably articulated the sentiment of the new management when he ...

The Operation and Regulation of Financial Markets

Financial markets in Britain, and elsewhere, are in the midst of a process of fundamental structural change. The resulting shifts in the behaviour of such markets will require the authorities, in turn, to revise their regulatory and control methods. This book incorporates a series of articles by leading British monetary economists to examine both the implications of such structural changes and also to model the current working of these markets. Within this unified framework, the articles range from descriptive accounts of recent developments in bank supervision and in the structure of the London capital markets to more formal econometric studies of the inter-relationships between money and other economic variables, and of the workings of financial markets. This provides a showcase to exhibit the most up-to-date research of leading British monetary economists.

banks' liquidity requirements must generally be capable of dealing with any net shortfall in cash inflow, anticipated or otherwise. To this end, the Bank seeks to satisfy itself that individual bank management teams adopt a 'prudent ...