September 10, 2025Academia Open

Strategic Adoption of Sharia Fintech for BMT Business Competitiveness

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Qualitative analysis reveals improved operational efficiency and financing processes in BMTs, highlighting sharia compliance.

Fintech integration boosts operational efficiency and simplifies financing processes for BMTs.
Member trust increases significantly as sharia-compliant fintech solutions are adopted.
Challenges such as digital literacy and infrastructure limitations hinder fintech implementation in rural areas.
Strategic recommendations focus on digital capacity building and continuous innovation for long-term growth.

Arzeqi et al. (2025) studied this question.

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