Standards Before Scale: Prudential Foundations of Islamic Digital Finance

Islamic finance is now a global system, but its next chapter will be shaped by whether prudential standards and technology evolve together. Fintech can widen access, reduce friction and make Shariah-compliant products more relevant to customers and businesses. But digital scale only lasts when supervision, risk management, liquidity, data governance and Shariah oversight keep pace.

Drawing on the global Islamic-finance landscape, this keynote examines what regulators and standard setters are seeing across markets: where fintech is creating genuine inclusion and efficiency, where it is introducing new vulnerabilities, and how emerging ecosystems can move from experimentation to trusted scale. For markets beginning a new chapter - including Uzbekistan and others across Central Asia - the opportunity is to build to international standards from day one, rather than retrofit trust later.