The Place of FinTech Applications in Islamic Finance: A Conceptual Evaluation

Year 2023, Issue: 60, 1 - 14, 31.12.2023

Sevgi Cengiz , Tuba Özkan

https://doi.org/10.5152/ilted.2023.23378

Abstract

The fact that digitalization and technology-supported systems, which are among the most basic applications of the 21st century, are an integrated and vital part of our lives, has increased the demand for financial technologies. It is seen that Islamic financial technology (Islamic FinTech) applications have an important place, especially with financial technology (FinTech). In this context, FinTech and Islamic FinTech applications are conceptually included in the study. By referring to the literature studies on these two concepts, the concept of Islamic finance is discussed from a religious perspective. In this study, basic conclusions were obtained that Islamic finance and FinTech concepts/applications are very up to date, their development and critical aspects are obvious, Islamic finance contains uncertainties in terms of jurisprudence, and that more innovation, diversity, breadth, equipment and time are needed in the applications of the Fintech system to meet the needs of Islamic finance applications.

Keywords

Finance, Islamic Finance, Technology, FinTech, Islamic FinTech

İslami Finansta Fintek Uygulamalarının Yeri: Kavramsal Açıdan Değerlendirilmesi

Abstract

21. yüzyılın en temel uygulamaları içerisinde yer alan dijitalleşme ve teknoloji destekli sistemlerin, yaşamımızın bütünleştirilmiş ve hayati birer parçası olması, finansal teknolojilere duyulan talebi arttırmıştır. Özellikle mevcut talebin karşılanması noktasında, finansal teknoloji (Fintek) ile birlikte İslami finansal teknoloji (İslami Fintek) uygulamalarının da önemli yer edindiği görülmektedir. Bu kapsamda çalışmada, Fintek ve İslami Fintek uygulamalarına kavramsal açıdan yer verilmiş, söz konusu iki kavram ilişkin yapılan literatür çalışmalarına değinilerek İslami Finans kavramı dini açıdan ele alınmıştır. Çalışma sonucunda, İslami finans ve Fintek kavramlarının / uygulamalarının çok güncel olduğu, gelişme ve eleştirel yönünün açık olduğu, İslami finansın fıkhi açıdan belirsizlikler içerdiği, İslami finans uygulamalarının müşterilerin ihtiyacını karşılama noktasında Fintek uygulamalarında daha fazla yeniliğe, çeşitliliğe, genişliğe, donanıma ve zamana gereksinim duyulduğu gibi temel sonuçlar elde edilmiştir.

Keywords

Finans, İslami Finans, Teknoloji, Fintek, İslami Fintek

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