Abstract
The advancement of digital technology has driven significant changes in Sharia financing systems, including the Sharia leasing sector, which plays a crucial role in strengthening the halal industry. Digital transformation introduces various technology-driven innovations in financial services that can enhance the efficiency, accessibility, and competitiveness of Sharia financing institutions in the digital economy. This study aims to analyse the innovations, opportunities, and challenges associated with the digital transformation of Sharia leasing to support the growth of the halal industry. A qualitative descriptive method was employed, utilising a literature review approach that examined scientific journals, regulations, Sharia economic literature, and references regarding the digitalisation of Sharia financial services. The findings indicate that digital transformation in Sharia leasing yields positive impacts, such as accelerated financing services, increased transaction transparency, expanded public access to halal financing, and strengthened integration within the halal industry ecosystem. Digital innovations—including mobile applications, financial technology (fintech), big data, and electronic payment systems serve as vital instruments for improving the operational efficiency of Sharia leasing institutions. However, digital transformation also faces various challenges, such as data security concerns, low public digital literacy, regulatory readiness, and the need for oversight of Sharia compliance in digital services. This study underscores the strategic role of digitalisation of Sharia leasing in bolstering the competitiveness of the halal industry and supporting the development of an inclusive and sustainable Sharia economy.
Keywords
digital transformation – fintech - sharia compliance
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