Artificial Intelligence as A Mechanism to Enhance the Impact of Islamic Financial Innovations and Digital Governance on Digital Financial Inclusion

Abstract

This study aims to analyze the role of artificial intelligence in enhancing digital governance and legitimate governance in Islamic financial institutions, and to demonstrate the impact of artificial intelligence governance in supporting digital transformation, developing Islamic financial technology, and improving the quality of decision-making, while reviewing the reality of financial inclusion globally and in the Arab world and the role of modern technologies in expanding access to financial services. The results showed that implementing effective AI governance contributes to enhancing operational efficiency, transparency, and Sharia compliance, improving risk management, developing Islamic financial services, and enhancing financial inclusion by providing easier, more flexible, and less expensive services. Ultimately, the study concluded that adopting integrated frameworks for artificial intelligence governance represents a necessity to achieve sustainable financial innovation, enhance the competitiveness of Islamic financial institutions, and support financial inclusion in accordance with the principles of Islamic Sharia.