I’m very pleased to share of the new, first of its kind in the world, MSc degree programme in #IslamicFinTech and #ArtificialIntelligence @UniofBradford bradford.ac.uk/courses/pg/is… linkedin.com/posts/nazamdzol… As the Programme’s Co-Leader, I note that: “UN Sustainable Development Goals (#SDGs) is an #unfinished agenda. This programme calls for brilliant minds who aspire to curate solutions for the benefits of the people and communities at large. The journey of lifelong learning starts here – to embrace the technology, AI, ethics, responsible and good governance in financial strategy and decision making.” This is indeed a #bold step forward, with more than two decades of professional and academic experiences, wide engagements with practitioners, industry players, policymakers, societies and public at large, together with high-esteemed impactful research and publications. I'm open to discuss potential #collaboration / #academic exchange with any organisation so please get in touch. Feel free to RT and circulate to your networks. Thank you! #EthicalFinance #InclusiveFinance #IslamicFinance #ResponsibleFintech #Governance #Inclusion #SocialAgenda #Digital #Blockchain #DataScience #Analytics #APPGIEF #WTUN @ResFintech @BradManagement @AdvanceHE @CharteredABS @fintechnorth @iERAorg @UN @APPGBritMuslims @uk_ifc @UKIFS @BritishCouncil @timeshighered @ICD_PS @IsDBGTHIQAH @AAOIFI_ORG @IFSB_org @Islamchannel @IFNFinTech @IFN_news @IFGateway @blockchain @analyticbridge

Islamic fintech just hit a milestone. → Arib closed $23.5M (Shariah-compliant Murabaha) → Sector AUM tracking to $6T this year → TechRound: "why are so few founders building?" Capital is here. Regulators are warming. The bottleneck is builders. #MuslimTech #IslamicFintech

Proud to have @aik_digital1 as our Title Sponsor, Pakistan's first Islamic digital banking platform and the Title Sponsor of this event on innovation and inclusion in financial services. Built to redefine everyday banking, aik enables customers to open an Asaan Digital Account (ADA) within minutes- fully digital, paperless, and branchless. Designed for ease, security, and Shariah-compliant banking, aik reflects the future of accessible Islamic finance in Pakistan. Through a seamless mobile-first experience, aik brings together essential banking services including fund transfers, bill payments, retail and online transactions, and a Mastercard debit card- all within a unified digital banking experience. As a pioneer in ethical and digital-first banking, aik continues to drive financial empowerment aligned with modern lifestyles and Islamic principles. Register now: lnkd.in/dgQFB47M #PaklaunchUNConference26 #aikByBanklslami #Banklslami #IslamicBanking #DigitalPakistan #FintechPakistan #StartupEcosystem #Innovation #IslamicFintech #PakistanStartups

🚀 SIDRACHain COMMUNITY, DON'T BE LEFT BEHIND! 🔥💪 We're launching the **FIRST Halal Ebook Marketplace** in the entire SidraChain ecosystem! 📚✨ A 100% Sharia-compliant platform where: ✅ You can buy, sell, and share halal ebooks (religion, education, personal development, business, etc.) ✅ Secure payments in $SDA (no riba, no gharar) ✅ Muslim creators: publish easily and earn fairly ✅ Readers: access quality, ethical, and useful content worldwide It's time to build the digital future of the Ummah! 🤲 👉 Discover the project and contribute now: sidrastart.com/project/a05c5… Who's already on board? Creators, readers, investors… comment and retweet to help this halal initiative grow! #HalalEbooks #SidraChain #SDA #HalalMarketplace #IslamicFintech #HalalEbooks #SidraStart #Ummah

sidrastart.com/project/1c396… Our new platform offers a seamless POS solution for digital payments and global money transfers, all adhering to Islamic finance standards. ​The crowd-sourcing window closes in just 4 days. ​#SmallBiz #DigitalPayments #IslamicFintech #PointOfSale

✨ Angelic Wings (AWG): Shariah-compliant financing on Sidra Chain. No Riba, no Gharar. Empower MENA startups! 👉 sidrastart.com/project/f0509… #AngelicWings #IslamicFinTech #SidraChain

Is Islamic Fintech finally ready to scale? 🌍🚀 Daniel Ahmed (@Fasset) Rehan Ahmed (@HalalstocksC) Watch the full episode on @YouTube: 📺 youtube.com/watch?v=oTA0D4v5… #HalalFintech #WebSummitQatar #IslamicFintech #Fintech2026 #MajlisAndMarkets

Muslims cannot scale inside systems that were never designed for us. Dozens of Muslim countries are: – blacklisted – gray-listed – blocked from global finance – restricted from real digital growth So what’s the real solution? 👉 Our OWN digital infrastructure. 👉 Our OWN payment rails. 👉 Our OWN platforms. When China was sanctioned and restricted, they didn’t wait for permission. They built: their own super apps, their own digital payments, their own tech ecosystem. Now imagine what the Ummah could build — with a shared value system and a global community. This is not politics. This is survival and independence in the digital age. We are building the foundation for a Muslim Super App and digital economy. ➡️ Join the vision and help build it: digitalislamicgoldenage.com/… #MuslimSuperApp #DigitalIslamicGoldenAge #MuslimTech #IslamicFintech

QardCircle is redefining fintech with Interest-Free Qard Hasan Microloans 🤝 A transparent digital system built on Trust, Shariah Compliance & Zero Riba. No interest. No hidden fees. No penalties. ✅ Digital loan agreements ✅ Automatic reminders ✅ Community-based lending ✅ Waqf-powered revolving pools (Sadaqah Jariyah) Lend for Purpose, Not Profit. Empower dignity. Strengthen communities. sidrastart.com/project/f55c1… #QardCircle #IslamicFintech #QardHasan #ShariahCompliant #HalalFinance #EthicalFinance #FintechRevolution #SadaqahJariyah #NoRiba #ImpactEconomy

The Integrity of Islamic Finance Chapter 6 of our edited book on "Ethical Discourse in Finance", published by Palgrave Macmillan in 2021 link.springer.com/chapter/10… The Foreword of the book was penned by the late Lord Sheikh, Co-Chair of the All-Party Parliamentary Group (APPG) on Islamic and Ethical Finance at the House of Lords, UK Parliament. #IslamicFinance #EthicalFinance #InclusiveFinance #IslamicFinTech #ResponsibleFinTech #Governance #Integrity @DrMinhat @EFAIRfoundation @ResFintech Abstract This chapter provides a critical account of popularly used Islamic financial instruments and discusses the gap between theory and practice in Islamic financial industry. The critical discussion is mainly related to financial innovations, which were derived from concepts including murabahah, ijarah and sukuk. Empirical evidence and/or real-life examples are illustrated to elucidate points. The central thesis of this chapter suggests that an ideal Islamic principle of risk-sharing has not been successfully implemented due to challenges associated with governance (or lack thereof) and behavioural factors including perverse incentives. A solution can be found through effective stakeholders’ education and activism to steer the Islamic finance industry in the right direction. THREAD

Qatar is a rising force in global #Fintech! Ranked 6th globally for #IslamicFintech and 7th for best Fintech environment.🇶🇦

10/ Riba-free isn’t about limits. it’s about liberation from imbalance. Because when money circulates through fairness, everyone grows together. That’s what HalalFi stands for. 🌍 #HalalFinance #IslamicFintech #HalalFi

⏳ FINAL CALL — 24 HOURS LEFT UNTIL LAUNCH ⏳ Tomorrow, we officially launch a mobile financial ecosystem built on Islamic principles, designed to deliver interest-free, transparent, and ethical finance for individuals and businesses worldwide. Powered by blockchain technology, our platform ensures secure transactions, full transparency, and a community-driven approach—free from riba, hidden fees, and unethical practices. This is not just another fintech app. This is a step toward financial justice, inclusivity, and value-aligned innovation. ⏰ 24 hours left. Join early. Stand for ethical finance. Be part of the future. Contribution Link sidrastart.com/project/6a36a… @kims1217 @Sidra1network @Ethan1990 @JSeblero84319 @yiesaiah_0625 #HalalFinance #IslamicFintech #BlockchainTechnology #EthicalFinance #FinalCall #LaunchDay

🧬 Introducing PULSAR The world’s first Shariah-compliant Predictive Health Intelligence Engine. Built on SidraChain, PULSAR shifts healthcare from reactive treatment to predictive wellness—detecting disease 7–12 years before onset using BioPredictive AI, digital biometrics & quantum health mapping. 🔐 Privacy by design ⚖️ Ethics by Shariah 💚 Health as a trust, not a commodity Aligned with Al-‘Adl, Maslaha & Tayyib, PULSAR protects life—one of the highest Maqasid al-Shariah—while enabling ethical investment via Mudarabah Musharakah. This isn’t just health tech. It’s a movement. 👉 sidrastart.com/project/2c8f8… #PULSAR #EthicalAI #ShariahCompliant #HealthTech #PredictiveWellness #IslamicFintech #SidraChain

🌍 #APAX: The Ethical Wealth Shield in the New Digital Era 🛡️ Global finance is shifting. Persistent inflation, volatile markets, and weakening currencies demand a new kind of protection. APAX, born in Qatar and powered by #SidraChain, is not just a token: it is your tangible and digital fortress, your Halal refuge against uncertainty. 🔑 Why APAX Now? Because protection is optional, but risk is inevitable. When traditional markets collapse, one truth remains: gold never fails. APAX takes that truth further, transforming it into an ethical, accessible, and global opportunity. > “APAX puts gold, silver, and platinum in your pocket within seconds, with full Sharia-compliant traceability.” 🛡️ The Dual Anti-Risk Shield: APX-i APAX protects against the two most critical threats in today’s financial system: - Fiat currency devaluation (inflation) - Extreme volatility of speculative crypto 📈 APX-i (Diversified Index): Your master shield. - Combines Gold, Silver, and Platinum into one smart token. - 100% Halal, audited, and traceable. - Simplifies protection against inflation and speculation. ⚔️ The Shield Components - 🥇 APAX-G (Tokenized Gold): Primary fortress against banks and inflation. - 🥈 APAX-S (Tokenized Silver): Accessible safe haven, driven by demand in green technologies. - ⚪ APAX-P (Tokenized Platinum): The rarest wealth, essential for the hydrogen economy. 📌 Our Commitment - Real, direct ownership of physical metals. - International custody, insured and audited. - Full transparency through #SidraChain. 🚀 Immediate Actions - 📊 Explore historical performance of metals during crises. - 🪙 Discover the APAX Gold Survival Pack (1g, 5g, 10g). - 🔄 Activate Automatic Hedging Mode: your portfolio self-protects during downturns. - 🏰 Coming soon: Virtual tours of our vaults. APAX is not just technology. It is stability with purpose, a bridge between the tangible and the digital, between faith and innovation. 👉 Protect your wealth. 👉 Invest with values. 👉 Choose APAX. 🔗 Explore and contribute: sidrastart.com/project/b9dbf… ♾️ Follow us: ✨ X: @XidraBaytRoyale #APAX #SidraChain #HalalFinance #IslamicFintech #EthicalTokenization #DigitalAssets #GoldToken #InflationHedge #ShariaCompliant #BlockchainTransparency #QatarInnovation #RecessionResistant #WealthProtectio

🚀 #APAX: The Ultimate Wealth Shield in the Digital & Ethical Era 🛡️ Investors, we stand at the threshold of a financial transformation. Economic uncertainty, persistent inflation, and market volatility demand a new paradigm to protect and grow your capital. APAX, led from Qatar and powered by #SidraChain, is not just a platform: it is your Golden Giant, your safe haven, and your ally against recession. 🌍 Why APAX Now? Protection is optional, risk is inevitable. When traditional markets fail, one historical truth resounds: gold never fails as a safe haven. APAX brings that ancestral truth into the future, transforming it into a modern, ethical, and accessible opportunity for all. > “Gold never fails. APAX puts gold, silver, and platinum in your pocket within seconds, with the peace of mind of full Sharia compliance.” 🛡️ Your APAX Portfolio: Tangible Security, Digital Immunity The Double Anti-Risk Shield: APX-i Critical protection against two major threats: - The devaluation of fiat money (inflation) - The extreme volatility of speculative crypto 📈 APX-i (Diversified Index): The Master Shield of Stability - 100% Halal Immunity: Gold, Silver, and Platinum combined in a single smart token, mitigating individual volatility. - Narrative: “For the ethical investor who values peace of mind: APX-i is the formula for stability. A fully audited, Sharia-compliant portfolio of precious metals in one click, protecting you both from inflationary processes and traditional crypto speculation.” ⚔️ The Shield Components - 🥇 APAX-G (Tokenized Gold): Primary fortress. Captures capital flows escaping banks and inflation. - 🥈 APAX-S (Tokenized Silver): Industrial catalyst. An accessible store of value driven by demand in green technologies. - ⚪ APAX-P (Tokenized Platinum): Scarce wealth. The rarest metal, essential for the hydrogen economy. 📜 Our Promise: Legitimacy, Transparency & Real Ownership Each APAX token represents direct ownership of physical metals, held by international custodians, insured, and audited. Thanks to SidraChain, we guarantee immutable traceability, regulatory compliance, and full Sharia conformity. 🌟 APAX is not just technology It is your guarantee of stability, legitimacy, and purpose. We are building the new era of Halal Finance, a bridge between the tangible and the digital, between faith and innovation. Protect your wealth. Invest with values. Choose APAX. 🔗 Explore and contribute: sidrastart.com/project/b9dbf… ♾️ Follow us for more updates: ✨ X: @XidraBaytRoyale #APAX #SidraChain #HalalFinance #IslamicFintech #EthicalTokenization #DigitalAssets #GoldToken #InflationHedge #ShariaCompliant #BlockchainTransparency #QatarInnovation #RecessionResistant #WealthProtection

What if disease could be detected 7–12 years before it begins? PULSAR fuses BioPredictive AI, Quantum Health Mapping & privacy-preserving federated learning—aligned with Al-‘Adl, Maslaha & Tayyib—to protect life before illness takes hold. Prevention is the highest form of care. sidrastart.com/project/2c8f8… #DigitalHealth #IslamicFintech #EthicalAI #PrecisionMedicine