Real-time payment systems now move trillions across the world's economies — instant, interoperable, world-class rails for conventional money. For Islamic finance, those rails barely exist. That gap is the panel. Globally there are 484 Islamic fintech firms across 41 countries — and 80% of them sit in just ten. The IFSB's own reports keep returning to the same diagnosis: underdeveloped market infrastructure, thin local-currency sovereign issuance, low trading volumes. Not a demand problem but a plumbing problem. Builders argue about what gets laid first.
Birgina 2026-yilning may oyida O‘zbekistonning Tezkor to‘lovlar tizimi orqali 12,2 milliard dollardan ortiq mablag‘ o‘tkazilgan. Bu jahon andozalariga mos to‘lov tizimlari mavjudligini anglatadi. Ammo islomiy moliya tizimlari hali mavjud emas. Aynan mana shu bo‘shliq ushbu panel muhokamasining markaziy mavzusidir. Dunyoning 41 mamlakatida 484 ta islomiy FinTech kompaniyasi faoliyat yuritadi va ularning 80 foizi o‘nta davlat hissasiga to‘g‘ri keladi. Islomiy moliyaviy xizmatlar kengashi (IFSB) hisobotlarida ushbu yo‘nalishning asosiy muammolari sifatida bozor infratuzilmasining rivojlanish darajasi pastligi, milliy valyutadagi suveren qimmatli qog‘ozlar emissiyasining yetarli emasligi va savdo hajmlarining kamligi ta’kidlanadi. Bu – talab bilan emas, balki tizimning o‘zi bilan bog‘liq muammo. Qolaversa, asosiy bahs qaysi infratuzilma elementi birinchi navbatda yaratilishi lozimligi ustida kechmoqda.
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