التمويل الإسلامي الرقمي عبر الذكاء الاصطناعي: دراسة فقهية في ضوء المعايير الشرعية وقرارات مجمع الفقه الإسلامي

Digital Islamic Finance through Artificial Intelligence: A Jurisprudential Study in the Light of Sharia Standards and Decisions of the Islamic Fiqh Academy

Abstract

This research aims to introduce the digital Islamic finance, which has recently emerged with the accelerated digital transformation of the banking sector, and to clarify its advantages and problems, and to introduce artificial intelligence, which is a key pillar in digital finance, and its jurisprudential adaptation in concluding financial contracts completely through its various technologies and applications, and to clarify the reality of digital Islamic finance in the State of Kuwait through Warba Bank and Nomo Digital Bank, and to provide proposed financing formulas that are consistent with the contemporary collective jurisprudence represented in the decisions of the International Islamic Fiqh Academy and the Sharia standards issued. About the Accounting and Auditing Organization for Islamic Financial Institutions (AAOIFI), the research has followed the inductive and descriptive approach that suits the nature of this research, and the research has concluded many results, including the limited digital financing services in the Islamic banking sector at the present time, and the existence of many proposed formulas to provide many financing services in a digital way through artificial intelligence applications in a manner consistent with Islamic jurisprudence, and the study recommends expanding the provision of digital financing services and making greater use of artificial intelligence techniques, And abide by the decisions of Sharia boards to avoid falling into Sharia violations. 

يشهد العالم اليوم تحولاً رقمياً هائلاً في شتى القطاعات بما في ذلك القطاع المصرفي، ويعد الذكاء الاصطناعي المحور الأساس الذي ترتكز عليه عملية التحول الرقمي، ومن هنا تبرز أهمية دراسة مفهوم التمويل الإسلامي الرقمي، وفوائد ومخاطره، والأحكام الفقهية المتعلقة بالتعاقد الرقمي عبر الذكاء الاصطناعي، ودراسة نماذج تطبيقية تعبر عن واقع التمويل الإسلامي الرقمي عبر الذكاء الصناعي عبر دراسة تجربتي بنك "نومو" الرقمي، وبنك "وربة" الكويتي، نظراً لشيوعهما في دولة الكويت، وتطبيقات مقترحة للتمويل الإسلامي عبر الذكاء الاصطناعي في ضوء المعايير الشرعية لهيئة المحاسبة والمراجعة للمؤسسات المالية الإسلامية.