Karim Sitara, Naeem Muhammad Abubakr, Abaji Emad Eddin
Nottingham University Business School, University of Nottingham Malaysia Campus, Semenyih, Malaysia.
Accounting and Finance Department, United Arab Emirates University, PO Box 15551, Al-Ain, United Arab Emirates.
Heliyon. 2022 Sep 3;8(9):e10485. doi: 10.1016/j.heliyon.2022.e10485. eCollection 2022 Sep.
The prime purpose of this study is to investigate the impact of Islamic fintech in the Islamic banking sector through a stakeholder approach in the wake of the COVID-19 pandemic. Through self-administered questionnaires, the study collected the data of 1000 respondents for seven categories of stakeholders directly or indirectly associated with Islamic banking and Islamic finance in Pakistan. The stakeholders include the local community, customers, managers of Islamic banks, depositors, employees, regulatory officials, and advisers of Sharia (Islamic Law). The findings indicate that respondents revealed a keen interest in Islamic banking and Islamic fintech, particularly during and post-COVID-19 and believed that Islamic banks must not be considered as profit-oriented organizations. Rather their benefit to society is way beyond profit maximizations. The respondents noted several factors to focus on the projects related to community engagement, promoting sustainable development and reducing poverty in the country. The study unveils that Islamic banks must adopt the practices of Islamic fintech and financial innovations to align the community's social goals. While COVID-19 crisis further facilitated the communities to include Islamic fintech in the Islamic banking system.
本研究的主要目的是在新冠疫情之后，通过利益相关者方法调查伊斯兰金融科技对伊斯兰银行业的影响。通过自行填写的问卷，该研究收集了1000名受访者的数据，这些受访者涉及与巴基斯坦伊斯兰银行和伊斯兰金融直接或间接相关的七类利益相关者。利益相关者包括当地社区、客户、伊斯兰银行经理、储户、员工、监管官员以及伊斯兰教法（伊斯兰法律）顾问。研究结果表明，受访者对伊斯兰银行和伊斯兰金融科技表现出浓厚兴趣，尤其是在新冠疫情期间及之后，并且认为伊斯兰银行不应被视为以盈利为导向的组织。相反，它们对社会的益处远不止于利润最大化。受访者指出了几个需要关注的因素，包括与社区参与、促进可持续发展以及减少该国贫困相关的项目。该研究揭示，伊斯兰银行必须采用伊斯兰金融科技和金融创新的做法，以符合社区的社会目标。而新冠疫情危机进一步促使社区将伊斯兰金融科技纳入伊斯兰银行体系。
