Artificial Intelligence and Digitization in Serving the Objectives of the Islamic Economy

Abstract

This study addresses a fundamental issue concerning the relationship between artificial intelligence (AI) and digitalization on one hand, and the maqasid-based structure of Islamic economics on the other. The research proceeds from the premise that these technologies are not neutral procedural tools, but rather formative forces capable of reshaping financial systems either in alignment with the higher objectives of Shariah or in conflict with them, depending on the governance framework regulating their deployment.

The study advances through three analytical levels: a theoretical grounding of the maqasid of Islamic economics revealing its axiological distinctiveness from conventional economics; an examination of how digital transformation reflects upon these objectives, identifying points of harmony and tension; and finaly a practical framework for harnessing AI in service of distributive justice, social solidarity, and financial sustainability. Adopting both descriptive-analytical and inductive methodologies, the research concludes that the opportunities offered by technology do not materialize automatically; rather they depend on the existence of a Shariah-based institutional framework that regulates their trajectory and prevents deviation from the universal objectives of Islamic law