Designing an Integrated Islamic Financial Information System: Jurisprudential Foundations, Institutional Frameworks, and Digital Architecture

Abstract

The development of Islamic financial institutions has increasingly emphasized the importance of system integration and digital innovation that align with maqāṣid al-sharīʿah. However, most current financial information systems do not yet incorporate comprehensive jurisprudential foundations or institutional synergies, leaving a significant gap between technology and Islamic legal norms. This study aims to formulate a conceptual and practical model for an integrated Islamic financial information system by exploring its jurisprudential underpinnings, institutional governance models, and digital infrastructure. It further investigates how Islamic legal doctrines such as fiqh al-muʿāmalah and financial ethics can be embedded within modern digital ecosystems. Using a qualitative textual methodology, the research draws upon classical Arabic sources, contemporary fiqh interpretations, institutional regulations, and digital architecture literature. The analysis reveals that successful integration depends on three pillars: a robust jurisprudential foundation, institutional synergy between state and jamāʿī institutions, and adaptable digital platforms that respect ḥalāl financial data flow principles. This paper contributes to bridging theoretical Islamic finance with technological innovation, offering policymakers and Islamic financial institutions a roadmap to designing systems that uphold both digital efficiency and al-ʿadālah al-mālīyah. The proposed framework supports sustainable financial inclusion aligned with Islamic legal and moral standards.