TOWARD INCLUSIVE ZAKAT ECOSYSTEMS: INTEGRATING ISLAMIC FINTECH INTO DIGITAL WELFARE INFRASTRUCTURE IN ASEAN
DOI:
https://doi.org/10.36563/v35yzg61Keywords:
:Abstract
This conceptual article explores how Islamic financial technology (FinTech) can be mobilised to redesign zakat institutions into inclusive, digitally enabled welfare ecosystems. Using emerging practices in Malaysia and Indonesia, the paper proposes a strategic roadmap integrating blockchain, mobile applications, artificial intelligence (AI), and smart contracts within Shariah parameters.It highlights persistent challenges including regulatory fragmentation, limited interoperability, and trust deficits. The study ultimately advances an ethically grounded framework for harnessing Islamic fintech to enhance social welfare, transparency, and equity across the ASEAN region.
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