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金融科技

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商品編碼

1865462

伊斯蘭金融科技市場預測至2032年：按服務、經營模式、技術、最終用戶和地區分類的全球分析

Islamic Fintech Market Forecasts to 2032 - Global Analysis By Service, Business Model, Technology, End User and By Geography

出版日期: 2025年11月01日 | 出版商:

Stratistics Market Research Consulting | 英文 200+ Pages | 商品交期: 2-3個工作天內

價格

簡介目錄圖表

根據 Stratistics MRC 的數據，全球伊斯蘭金融科技市場預計將在 2025 年達到 1,861 億美元，並在 2032 年達到 3,619 億美元，在預測期內以 15.6% 的複合年成長率成長。

伊斯蘭金融科技是指符合伊斯蘭教法（Shari'ah）的金融科技解決方案，它將現代數位創新與符合倫理的金融原則結合。這涵蓋多種服務，包括數位銀行、群眾集資、區塊鏈和付款管道，旨在避免利息（riba）、不確定性（ghalar）和不道德的投資。相反，它提倡利潤共享、資產抵押貸款和透明度。伊斯蘭金融科技的目標是提高穆斯林的金融包容性，同時提供公平、負責且科技主導的金融替代方案。將伊斯蘭教法原則與技術創新相結合，有助於實現永續的經濟成長，並使金融與道德和社會價值觀相契合。

全球穆斯林人口不斷成長，對符合伊斯蘭教法的金融產品的需求日益增加。

穆斯林占多數的國家和散居海外的穆斯林社群需要符合宗教原則和倫理價值的數位金融服務。該平台在一個行動優先、雲端原生的生態系統中支援清真投資、天課運算和無息貸款。與數位錢包、身份驗證和合規引擎的整合提高了服務的可及性和信任度。年輕群體和弱勢群體對包容性、透明且符合文化背景的解決方案的需求日益成長。這些趨勢正在推動該平台在符合伊斯蘭教法的金融科技生態系統中廣泛應用。

不同司法管轄區對伊斯蘭教法的解釋缺乏標準化

不同的學派和地區性教令（宗教意見）導致產品設計、管治和認證方面存在不一致。企業在跨國和跨市場企業發展時，面臨合規框架協調的挑戰。缺乏統一標準和國際認證機構進一步加劇了互通性和投資者信心的不足。供應商必須投資諮詢委員會、模組化合規引擎和多司法管轄區檢驗，以應對碎片化問題。這些限制持續阻礙多元化且監管敏感的伊斯蘭金融市場平台的成熟度。

對符合道德和社會責任的投資的需求

該平台為零售和機構投資者提供清真投資組合、影響力投資和永續發展掛鉤的伊斯蘭債券。智慧投顧、ESG評分和區塊鏈整合增強了透明度和業績追蹤。千禧世代、Z世代和宗教信仰投資者對價值導向且風險可控的金融產品的需求日益成長。各公司正在將其伊斯蘭金融科技策略與道德銀行、永續發展目標和普惠金融的必要性結合。這些趨勢正在推動兼具社會責任感和符合伊斯蘭教法的金融科技基礎設施的發展。

流動性、規模和競爭限制因素

次市場規模有限、產品多樣性不足、機構參與率低，導致資本流動性和定價效率下降。企業在籌集創業投資資金、擴大營運規模以及與傳統金融科技公司競爭方面面臨諸多挑戰。流動性產品和標準化基準的缺乏進一步加劇了投資組合建構和風險管理的複雜性。供應商必須提供做市工具、策略夥伴關係和混合模式，以提升市場深度和競爭力。這些限制因素持續阻礙資本密集、創新主導伊斯蘭金融領域的平台發展。

新冠疫情的影響：

疫情加速了伊斯蘭金融領域的數位轉型和普惠金融，同時也暴露了基礎設施和韌性方面的不足。封鎖措施擾亂了線下銀行服務，導致遠端開戶、非接觸式支付和虛擬諮詢的需求激增。伊斯蘭金融科技平台迅速擴張，透過行動和網路管道支持天課分配、清真投資和小額信貸。銀行、Start-Ups和監管機構紛紛增加對雲端遷移、人工智慧合規和數位身分的投資。政策制定者和消費者群體對倫理金融和數位工具的認知度也顯著提高。

預計在預測期內，支付和匯款領域將佔據最大的市場佔有率。

由於其擴充性、交易量以及對日常金融需求的適用性，預計支付和匯款領域將在預測期內佔據最大的市場佔有率。平台支援符合伊斯蘭教法的清真付款閘道、跨境匯款和商家服務。與行動錢包、生物識別和合規性過濾器的整合提高了速度和可靠性。對低成本、透明且符合文化習慣的支付解決方案的需求在農民工、中小企業和零售消費者中日益成長。供應商提供多語言介面、即時支付和內建金融功能，以方便實施。

預計在預測期內，伊斯蘭金融機構板塊的複合年成長率將最高。

預計在預測期內，伊斯蘭金融機構板塊將實現最高成長率，因為銀行、保險公司和資產管理公司將繼續推進營運數位化，並拓展符合伊斯蘭教法的各項服務。金融機構正利用金融科技平台實現核心銀行體系的現代化，推出數位化產品，並提升零售和企業客戶參與。這些平台支持伊斯蘭保險（Takaful）、智慧投顧和伊斯蘭債券（Sukuk）發行，以滿足機構的工作流程和合規要求。與雲端基礎設施、資料分析和開放銀行API的整合提高了系統的敏捷性和擴充性。伊斯蘭銀行和金融合作社對模組化、互通性和符合監管要求的解決方案的需求日益成長。這些趨勢正在加速金融機構主導的伊斯蘭金融科技應用。

佔比最大的地區：

由於人口集中、監管支持以及機構對伊斯蘭金融科技的投資，預計中東和北非地區在預測期內將保持最大的市場佔有率。沙烏地阿拉伯、阿拉伯聯合大公國、巴林和埃及等國正在拓展其在零售銀行、支付和資本市場領域的平台。政府主導的舉措正在支持金融科技創新領域的沙盒計畫、數位身分和伊斯蘭教法管治。伊斯蘭銀行、主權財富基金和金融科技中心的存在正在推動該生態系統的深化和廣泛應用。各公司正將其伊斯蘭金融科技策略與「2030願景」、普惠金融和清真經濟目標相契合。

預計年複合成長率最高的地區：

在預測期內，亞太地區預計將呈現最高的複合年成長率，這主要得益於穆斯林人口的成長、金融科技創新以及區域經濟對教育的日益成長的需求。馬來西亞、印尼、巴基斯坦和孟加拉等國的微型金融、教育儲蓄和小型企業貸款平台正在蓬勃發展。政府支持的計畫正在協助金融科技Start-Ups數位基礎設施、普及金融知識並獲得伊斯蘭教法認證。本地服務供應商提供以行動端為先導、多語言且符合當地文化的解決方案，以滿足不同借款人和投資者的需求。都市區市場對擴充性、包容性強且符合宗教信仰的金融科技基礎設施的需求日益成長。

免費客製化服務：

購買此報告的客戶可享有以下免費自訂選項之一：

公司概況
- 對其他市場參與者（最多 3 家公司）進行全面分析
- 主要參與者（最多3家公司）的SWOT分析
區域細分
- 根據客戶要求，提供主要國家的市場估算和預測以及複合年成長率（註：可行性需確認）。
競爭基準化分析
- 根據主要參與者的產品系列、地理覆蓋範圍和策略聯盟基準化分析

北美洲
- 美國
- 加拿大
- 墨西哥
歐洲
- 德國
- 英國
- 義大利
- 法國
- 西班牙
- 其他歐洲
亞太地區
- 日本
- 中國
- 印度
- 澳洲
- 紐西蘭
- 韓國
- 亞太其他地區
南美洲
- 阿根廷
- 巴西
- 智利
- 其他南美洲
中東和非洲
- 沙烏地阿拉伯
- 阿拉伯聯合大公國
- 卡達
- 南非
- 其他中東和非洲地區

第10章：重大進展

協議、夥伴關係、合作和合資企業
收購與併購
新產品上市
業務拓展
其他關鍵策略

第11章企業概況

Wahed Inc.
Zoya Inc.
Insha GmbH
Raqamyah Platform Financing Company
Finja Pvt Ltd.
Ethis Global Sdn Bhd
Fasset Pte Ltd.
Tijarah Holdings Ltd.
Takaful Bazaar Pvt Ltd.
Shariah Experts Ltd.
IslamicMarkets Ltd.
HelloGold Sdn Bhd
Manzil Financial Services Inc.
Saturna Capital Corporation
Simplifai Systems Ltd.

簡介目錄圖表

Product Code: SMRC32192

According to Stratistics MRC, the Global Islamic Fintech Market is accounted for $186.1 billion in 2025 and is expected to reach $361.9 billion by 2032 growing at a CAGR of 15.6% during the forecast period. Islamic Fintech refers to financial technology solutions that comply with Shariah (Islamic law), integrating modern digital innovation with ethical financial principles. It encompasses a range of services such as digital banking, crowdfunding, peer-to-peer lending, blockchain, and payment platforms designed to avoid interest (riba), uncertainty (gharar), and unethical investments. Instead, it promotes profit-and-loss sharing, asset-backed financing, and transparency. Islamic Fintech aims to enhance financial inclusion for Muslim populations while offering fair, responsible, and technology-driven financial alternatives. By combining Shariah principles with technological innovation, it supports sustainable economic growth and aligns finance with moral and social values.

Market Dynamics:

Driver:

Growing global Muslim population & demand for Sharia-compliant finance

Muslim-majority countries and diaspora communities are seeking digital financial services that align with religious principles and ethical values. Platforms support halal investing zakat calculation and interest-free lending across mobile-first and cloud-native ecosystems. Integration with digital wallets identity verification and compliance engines enhances accessibility and trust. Demand for inclusive transparent and culturally adapted solutions is rising across youth and underserved segments. These dynamics are propelling platform deployment across Sharia-compliant fintech ecosystems.

Restraint:

Lack of standardization in Shariah interpretation across jurisdiction

Different schools of thought and local fatwas create inconsistencies in product design governance and certification. Enterprises face challenges in harmonizing compliance frameworks across cross-border operations and multi-market deployments. Lack of unified standards and global accreditation bodies further complicates interoperability and investor confidence. Vendors must invest in advisory boards modular compliance engines and multi-jurisdictional validation to address fragmentation. These constraints continue to hinder platform maturity across diverse and regulation-sensitive Islamic finance markets.

Opportunity:

Demand for ethical, socially responsible investments

Platforms offer halal portfolios impact investing and sustainability-linked sukuk tailored to retail and institutional investors. Integration with robo-advisors ESG scoring and blockchain enhances transparency and performance tracking. Demand for value-aligned and risk-mitigated financial products is rising across millennials Gen Z and faith-driven investors. Enterprises are aligning Islamic fintech strategies with ethical banking SDG targets and inclusive finance mandates. These trends are fostering growth across socially responsible and Sharia-compliant fintech infrastructure.

Threat:

Liquidity, scale and competition constraints

Limited secondary markets product diversity and institutional participation reduce capital mobility and pricing efficiency. Enterprises face challenges in attracting venture funding scaling operations and competing with conventional fintech incumbents. Lack of liquidity instruments and standardized benchmarks further complicates portfolio construction and risk management. Vendors must offer market-making tools strategic partnerships and hybrid models to improve depth and competitiveness. These limitations continue to restrict platform growth across capital-intensive and innovation-driven Islamic finance segments.

Covid-19 Impact:

The pandemic accelerated digital transformation and financial inclusion across Islamic finance while exposing gaps in infrastructure and resilience. Lockdowns disrupted in-person banking and increased demand for remote onboarding contactless payments and virtual advisory. Islamic fintech platforms scaled rapidly to support zakat distribution halal investing and microfinance across mobile and web channels. Investment in cloud migration AI compliance and digital identity surged across banks startups and regulators. Public awareness of ethical finance and digital tools increased across policy and consumer circles.

The payments & remittances segment is expected to be the largest during the forecast period

The payments & remittances segment is expected to account for the largest market share during the forecast period due to their scalability transaction volume and relevance across daily financial needs. Platforms support halal payment gateways cross-border transfers and merchant services tailored to Sharia principles. Integration with mobile wallets biometric authentication and compliance filters enhances speed and trust. Demand for low-cost transparent and culturally aligned payment solutions is rising across migrant workers SMEs and retail consumers. Vendors offer multilingual interfaces real-time settlement and embedded finance to support adoption.

The Islamic financial institutions segment is expected to have the highest CAGR during the forecast period

Over the forecast period, the Islamic financial institutions segment is predicted to witness the highest growth rate as banks insurers and asset managers digitize operations and expand Sharia-compliant offerings. Institutions use fintech platforms to modernize core banking launch digital products and improve customer engagement across retail and corporate segments. Platforms support takaful robo-advisory and sukuk issuance tailored to institutional workflows and compliance needs. Integration with cloud infrastructure data analytics and open banking APIs enhances agility and scalability. Demand for modular interoperable and regulation-ready solutions is rising across Islamic banks and financial cooperatives. These dynamics are accelerating growth across institution-led Islamic fintech deployments.

Region with largest share:

During the forecast period, the Middle East & North Africa region is expected to hold the largest market share due to its demographic concentration regulatory support and institutional investment across Islamic fintech. Countries like Saudi Arabia UAE Bahrain and Egypt scale platforms across retail banking payments and capital markets. Government-backed initiatives support sandbox programs digital identity and Sharia governance across fintech innovation. Presence of Islamic banks sovereign funds and fintech hubs drives ecosystem depth and adoption. Firms align Islamic fintech strategies with Vision 2030 financial inclusion and halal economy goals.

Region with highest CAGR:

Over the forecast period, the Asia Pacific region is anticipated to exhibit the highest CAGR as Muslim population fintech innovation and education demand converge across regional economies. Countries like Malaysia Indonesia Pakistan and Bangladesh scale platforms across microfinance education savings and SME lending. Government-backed programs support digital infrastructure financial literacy and Sharia certification across fintech startups. Local providers offer mobile-first multilingual and culturally adapted solutions tailored to diverse borrower and investor profiles. Demand for scalable inclusive and faith-aligned fintech infrastructure is rising across urban and rural markets.

Key players in the market

Some of the key players in Islamic Fintech Market include Wahed Inc., Zoya Inc., Insha GmbH, Raqamyah Platform Financing Company, Finja Pvt Ltd., Ethis Global Sdn Bhd, Fasset Pte Ltd., Tijarah Holdings Ltd., Takaful Bazaar Pvt Ltd., Shariah Experts Ltd., IslamicMarkets Ltd., HelloGold Sdn Bhd, Manzil Financial Services Inc., Saturna Capital Corporation and Simplifai Systems Ltd.

Key Developments:

In May 2025, Zoya partnered with Investlink, a leading Central Asian investment platform, to offer embedded Shariah-compliant investing tools. Using Zoya's API, Investlink integrated real-time halal screening into its trading interface, serving over 80 million Muslims across the region. This partnership addressed a major gap in ethical investing access.

In April 2025, Wahed expanded its global footprint with a $25 million investment from Saudi Aramco's Wa'ed Ventures. The funding supported Wahed's entry into new markets and the development of financial literacy tools for underserved Muslim communities. This move aligned with Aramco's broader ESG and innovation goals.

Services Covered:

Payments & Remittances
Lending & Financing
Wealth Management & Investments
Insurance (Takaful)
Infrastructure & Compliance Tech
Other Service Types

Business Models Covered:

B2C Platforms
B2B Solutions
B2B2C Ecosystems

Technologies Covered:

Digital Banking Platforms
Peer-to-Peer (P2P) Lending
Crowdfunding (Donation, Equity, Reward-Based)
Halal Investment & Robo-Advisory Tools
Islamic InsurTech (Takaful)
Blockchain for Smart Sukuk and Zakat Distribution
AI & ML for Risk Scoring and Compliance Automation

End Users Covered:

Retail Consumers
Small & Medium Enterprises (SMEs)
Islamic Financial Institutions
Charitable Organizations
Government & Regulatory Bodies
Other End Users

Regions Covered:

North America
- US
- Canada
- Mexico
Europe
- Germany
- UK
- Italy
- France
- Spain
- Rest of Europe
Asia Pacific
- Japan
- China
- India
- Australia
- New Zealand
- South Korea
- Rest of Asia Pacific
South America
- Argentina
- Brazil
- Chile
- Rest of South America
Middle East & Africa
- Saudi Arabia
- UAE
- Qatar
- South Africa
- Rest of Middle East & Africa

What our report offers:

Market share assessments for the regional and country-level segments
Strategic recommendations for the new entrants
Covers Market data for the years 2024, 2025, 2026, 2028, and 2032
Market Trends (Drivers, Constraints, Opportunities, Threats, Challenges, Investment Opportunities, and recommendations)
Strategic recommendations in key business segments based on the market estimations
Competitive landscaping mapping the key common trends
Company profiling with detailed strategies, financials, and recent developments
Supply chain trends mapping the latest technological advancements

Free Customization Offerings:

All the customers of this report will be entitled to receive one of the following free customization options:

Company Profiling
- Comprehensive profiling of additional market players (up to 3)
- SWOT Analysis of key players (up to 3)
Regional Segmentation
- Market estimations, Forecasts and CAGR of any prominent country as per the client's interest (Note: Depends on feasibility check)
Competitive Benchmarking
- Benchmarking of key players based on product portfolio, geographical presence, and strategic alliances

1 Executive Summary

2 Preface

2.1 Abstract
2.2 Stake Holders
2.3 Research Scope
2.4 Research Methodology
- 2.4.1 Data Mining
- 2.4.2 Data Analysis
- 2.4.3 Data Validation
- 2.4.4 Research Approach
2.5 Research Sources
- 2.5.1 Primary Research Sources
- 2.5.2 Secondary Research Sources
- 2.5.3 Assumptions

3 Market Trend Analysis

3.1 Introduction
3.2 Drivers
3.3 Restraints
3.4 Opportunities
3.5 Threats
3.6 Technology Analysis
3.7 End User Analysis
3.8 Emerging Markets
3.9 Impact of Covid-19

4 Porters Five Force Analysis

4.1 Bargaining power of suppliers
4.2 Bargaining power of buyers
4.3 Threat of substitutes
4.4 Threat of new entrants
4.5 Competitive rivalry

5 Global Islamic Fintech Market, By Service Type

5.1 Introduction
5.2 Payments & Remittances
5.3 Lending & Financing
5.4 Wealth Management & Investments
5.5 Insurance (Takaful)
5.6 Infrastructure & Compliance Tech
5.7 Other Service Types

6 Global Islamic Fintech Market, By Business Model

6.1 Introduction
6.2 B2C Platforms
6.3 B2B Solutions
6.4 B2B2C Ecosystems

7 Global Islamic Fintech Market, By Technology

7.1 Introduction
7.2 Digital Banking Platforms
7.3 Peer-to-Peer (P2P) Lending
7.4 Crowdfunding (Donation, Equity, Reward-Based)
7.5 Halal Investment & Robo-Advisory Tools
7.6 Islamic InsurTech (Takaful)
7.7 Blockchain for Smart Sukuk and Zakat Distribution
7.8 AI & ML for Risk Scoring and Compliance Automation

8 Global Islamic Fintech Market, By End User

8.1 Introduction
8.2 Retail Consumers
8.3 Small & Medium Enterprises (SMEs)
8.4 Islamic Financial Institutions
8.5 Charitable Organizations
8.6 Government & Regulatory Bodies
8.7 Other End Users

9 Global Islamic Fintech Market, By Geography

9.1 Introduction
9.2 North America
- 9.2.1 US
- 9.2.2 Canada
- 9.2.3 Mexico
9.3 Europe
- 9.3.1 Germany
- 9.3.2 UK
- 9.3.3 Italy
- 9.3.4 France
- 9.3.5 Spain
- 9.3.6 Rest of Europe
9.4 Asia Pacific
- 9.4.1 Japan
- 9.4.2 China
- 9.4.3 India
- 9.4.4 Australia
- 9.4.5 New Zealand
- 9.4.6 South Korea
- 9.4.7 Rest of Asia Pacific
9.5 South America
- 9.5.1 Argentina
- 9.5.2 Brazil
- 9.5.3 Chile
- 9.5.4 Rest of South America
9.6 Middle East & Africa
- 9.6.1 Saudi Arabia
- 9.6.2 UAE
- 9.6.3 Qatar
- 9.6.4 South Africa
- 9.6.5 Rest of Middle East & Africa

10 Key Developments

10.1 Agreements, Partnerships, Collaborations and Joint Ventures
10.2 Acquisitions & Mergers
10.3 New Product Launch
10.4 Expansions
10.5 Other Key Strategies

11 Company Profiling

11.1 Wahed Inc.
11.2 Zoya Inc.
11.3 Insha GmbH
11.4 Raqamyah Platform Financing Company
11.5 Finja Pvt Ltd.
11.6 Ethis Global Sdn Bhd
11.7 Fasset Pte Ltd.
11.8 Tijarah Holdings Ltd.
11.9 Takaful Bazaar Pvt Ltd.
11.10 Shariah Experts Ltd.
11.11 IslamicMarkets Ltd.
11.12 HelloGold Sdn Bhd
11.13 Manzil Financial Services Inc.
11.14 Saturna Capital Corporation
11.15 Simplifai Systems Ltd.

簡介目錄圖表

List of Tables

Table 1 Global Islamic Fintech Market Outlook, By Region (2024-2032) ($MN)
Table 2 Global Islamic Fintech Market Outlook, By Service Type (2024-2032) ($MN)
Table 3 Global Islamic Fintech Market Outlook, By Payments & Remittances (2024-2032) ($MN)
Table 4 Global Islamic Fintech Market Outlook, By Lending & Financing (2024-2032) ($MN)
Table 5 Global Islamic Fintech Market Outlook, By Wealth Management & Investments (2024-2032) ($MN)
Table 6 Global Islamic Fintech Market Outlook, By Insurance (Takaful) (2024-2032) ($MN)
Table 7 Global Islamic Fintech Market Outlook, By Infrastructure & Compliance Tech (2024-2032) ($MN)
Table 8 Global Islamic Fintech Market Outlook, By Other Service Types (2024-2032) ($MN)
Table 9 Global Islamic Fintech Market Outlook, By Business Model (2024-2032) ($MN)
Table 10 Global Islamic Fintech Market Outlook, By B2C Platforms (2024-2032) ($MN)
Table 11 Global Islamic Fintech Market Outlook, By B2B Solutions (2024-2032) ($MN)
Table 12 Global Islamic Fintech Market Outlook, By B2B2C Ecosystems (2024-2032) ($MN)
Table 13 Global Islamic Fintech Market Outlook, By Technology (2024-2032) ($MN)
Table 14 Global Islamic Fintech Market Outlook, By Digital Banking Platforms (2024-2032) ($MN)
Table 15 Global Islamic Fintech Market Outlook, By Peer-to-Peer (P2P) Lending (2024-2032) ($MN)
Table 16 Global Islamic Fintech Market Outlook, By Crowdfunding (Donation, Equity, Reward-Based) (2024-2032) ($MN)
Table 17 Global Islamic Fintech Market Outlook, By Halal Investment & Robo-Advisory Tools (2024-2032) ($MN)
Table 18 Global Islamic Fintech Market Outlook, By Islamic InsurTech (Takaful) (2024-2032) ($MN)
Table 19 Global Islamic Fintech Market Outlook, By Blockchain for Smart Sukuk and Zakat Distribution (2024-2032) ($MN)
Table 20 Global Islamic Fintech Market Outlook, By AI & ML for Risk Scoring and Compliance Automation (2024-2032) ($MN)
Table 21 Global Islamic Fintech Market Outlook, By End User (2024-2032) ($MN)
Table 22 Global Islamic Fintech Market Outlook, By Retail Consumers (2024-2032) ($MN)
Table 23 Global Islamic Fintech Market Outlook, By Small & Medium Enterprises (SMEs) (2024-2032) ($MN)
Table 24 Global Islamic Fintech Market Outlook, By Islamic Financial Institutions (2024-2032) ($MN)
Table 25 Global Islamic Fintech Market Outlook, By Charitable Organizations (2024-2032) ($MN)
Table 26 Global Islamic Fintech Market Outlook, By Government & Regulatory Bodies (2024-2032) ($MN)
Table 27 Global Islamic Fintech Market Outlook, By Other End Users (2024-2032) ($MN)