اسلامی بینکنگ اور مصنوعی ذہانت (فقہ اسلامی کی روشنی میں ایک تجزیاتی مطالعہ)

Islamic Banking & Artificial Intelligence(Analytical Study in the Light of Islamic Jurisprudence)

Abstract

This article explores the intersection of Islamic banking and artificial intelligence (AI) from the perspective of Islamic jurisprudence. It examines how AI can be integrated into Islamic banking systems while adhering to Shariah principles. The study addresses the potential benefits of AI in enhancing financial services, improving operational efficiency, and reducing costs in Islamic banks. It also highlights the challenges and risks associated with AI adoption, such as the need for transparency, accountability, and compliance with Islamic ethical standards.

The article discusses the permissibility of AI under Islamic law, emphasizing that AI is neither inherently prohibited nor permitted but depends on its application and impact. It stresses the importance of aligning AI applications with the broader goals of Islamic finance, such as justice, fairness, and the protection of public interest. Furthermore, the study emphasizes the necessity of balancing the benefits and potential harms of AI and ensuring that its use in Islamic banking serves the common good without violating Islamic legal and ethical principles.

In conclusion, the article provides recommendations for Islamic banks to modernize their infrastructure, invest in AI research, and educate clients about the benefits and ethical considerations of AI-powered financial services.