金融科技在亚洲地区伊斯兰社会融资中的应用:系统性文献综述

Balkis Kasmon, Siti Sara Ibrahim, Dalila Daud, Raja Rizal Iskandar Raja Hisham, Sucihatiningsih Dian Wisika Prajanti
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引用次数: 0

摘要

本研究旨在分析伊斯兰社会融资(ISF)领域利用金融科技(FinTech)的现有文献,重点关注工具、应用和益处。本研究旨在为文献或从业人员提供有关如何在伊斯兰社会融资领域使用金融科技的见解,例如在宗教基金(应用)中使用区块链(工具),这有助于提高透明度和增强与捐赠者之间的信任(益处)。在伊斯兰宗教基金市场中探索新的可用工具或应用非常重要,这样才能有利于促进该行业的发展。设计/方法/途径采用基于质量评估标准的《系统证据综合报告标准》(ROSES)进行了系统文献综述(SLR),从斯科普斯(Scopus)数据库中的 41,945 个条目、科学网(Web of Science)数据库中的 25,386 个条目和谷歌学术(Google Scholar)数据库中的 1,590 个条目开始,到数据摘要和分析中的 35 篇文章结束,所有文章都侧重于金融科技在基础设施服务行业的工具、应用和益处。研究结果本综述针对金融科技提出了三个主要主题和十一个次主题,即应用(四个次主题:众筹、区块链、银行服务和点对点(P2P))、工具(三个次主题:伊斯兰宗教基金、天课和萨达卡)以及益处(四个次主题:透明度、创新、包容性和效率)。研究局限性/启示 本研究强调了金融科技在基础设施服务行业的创新应用,重点关注金融科技在该行业的应用、工具和益处。然而,研究结果表明,未来还有很大的研究空间。目前的工作概述了几个方法问题和关注点,并为未来研究提供了建议。与金融科技应用相关的各种挑战包括法规不完善、许可证申请程序复杂、滥用金融科技为恐怖主义融资、存在欺诈性金融科技公司以及金融科技行业中有关 ISF 的消费者纠纷。与关注即将面临的挑战的研究相比,关于金融科技模式在基础设施服务领域的可能应用的深入研究很少。本研究还强调了以往研究工作在方法上的局限性,这些局限性可用于改进该领域的未来研究。为了提供更全面的分析,本研究中未包含的其他搜索关键词和引擎可用于未来采用不同方法的调查中。通过从更广阔、更多样的视角审视金融科技应用,分析提供了对现实生活中改善绩效管理的机会、限制和解决方案的见解。从业人员,尤其是国家伊斯兰宗教理事会,可以认识到在其管辖范围内的基础设施服务基金(waqf、zakat 和 sadaqah)中使用金融科技技术的益处。 原创性/价值 本系统性文献评估确定了必须解决的关键知识差距,例如金融科技的应用仍然模糊不清,某些应用在基础设施服务基金行业中尚未完全普及。本研究采用 SLR 技术对文献进行分类,找出当前研究中存在的差距,并针对研究问题提出建议(Paul 和 Criado,2020 年),而不是使用以往的其他方法,如内容分析或定性审查。因此,金融科技被认为是基础设施服务行业的创新或新方法。
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FinTech application in Islamic social finance in Asia region: a systematic literature review

Purpose

This study aims to analyse the existing literature on the utilisation of financial technology (FinTech) in the Islamic social finance (ISF) sector, focusing on tools, applications and benefits. From this study, it is to provide insights for literature or for practitioners on how FinTech can be used in ISF, such as using blockchain (tools) in waqf (application) that can help to enhance transparency and trust (benefits) with donors. It is important to explore new available tools or applications in ISF markets so that such effort can benefit the industry in promoting its growth.

Design/methodology/approach

A systematic literature review (SLR) was carried out using Reporting Standards for Systematic Evidence Syntheses (ROSES) which has been based on quality evaluation criteria, beginning with 41,945 entries in Scopus, 25,386 entries in the Web of Science and 1,590 entries in the Google Scholar databases and ending with 35 articles from data abstraction and analysis, all of which focus on tools, applications and benefits of FinTech in ISF sector.

Findings

This review yielded three primary themes and eleven sub-themes addressing FinTech, namely applications (four sub-themes: crowdfunding, blockchain, banking service and peer-to-peer (P2P), tools (three sub-themes: waqf, zakat and sadaqah), as well as benefits (four sub-themes: transparency, innovation, inclusiveness and efficiency).

Research limitations/implications

This study emphasises on innovative application of FinTech used in ISF industry which focuses on applications, tools and benefits of FinTech to the industry. However, the findings indicate that there is plenty of room for future investigation. The current work outlines several methodological issues and concerns as well as provides recommendations for future research. Various challenges associated with FinTech applications include inadequate regulations, complex permit application procedures, misuse of FinTech for terrorist financing, the existence of fraudulent FinTech companies and consumer disputes in the FinTech sector concerning ISF. There are few in-depth studies on the possible use of FinTech models in ISF, compared to studies focusing on upcoming challenges. This study also highlights the methodological limitations in previous research efforts, which can be used to improve future studies in this area. To offer a more comprehensive analysis, additional search keywords and engines that have not been included in this study could be used in future investigations with different methodologies.

Practical implications

For practitioners, the paper has significant managerial consequences. The analysis provides insights into real-life opportunities, limits and solutions for improving performance management by looking at FinTech applications from a larger and more diverse perspective. The practitioners, especially the State Islamic Religious Council, can recognise the benefits of using FinTech technology in ISF (waqf, zakat and sadaqah), namely under their jurisdiction.

Originality/value

This systematic literature assessment identifies critical knowledge gaps that must be addressed such as the applications of FinTech that are still ambiguous, with certain applications not completely embraced in the ISF industry. This study uses SLR technique to categorise literature, identify gaps in current studies and provide recommendations for the research issue (Paul and Criado, 2020), instead of using the other previous methodology such as content analysis or qualitative review. Hence, FinTech is considered an innovative or new approach in ISF industry.

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来源期刊
CiteScore
4.40
自引率
11.10%
发文量
67
期刊介绍: The International Journal of Ethics and Systems (formerly named Humanomics, the International Journal of Systems and Ethics) is a multidisciplinary journal publishing peer review research on issues of ethics and morality affecting socio-scientific systems in epistemological perspectives. The journal covers diverse areas of a socio-scientific nature. The focus is on disseminating the theory and practice of morality and ethics as a system-oriented study defined by inter-causality between critical variables of given problems.
期刊最新文献
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