Implementation of Sharia Principles in Digital Payment Systems: A Study on Sharia E-Wallet Platforms

Abstract

The development of financial technology (fintech) has transformed the payment system into a fully digital and efficient one. However, for the Muslim community, this convenience must remain in line with sharia principles. This study aims to analyze the implementation of sharia principles in digital payment systems on sharia e-wallet platforms in Indonesia. The research method uses a qualitative descriptive approach with a literature review of various journals and fatwas from the National Sharia Council (DSN-MUI). The results show that sharia e-wallets such as LinkAja Syariah and GoPay Syariah have implemented muamalah contracts such as wadi'ah yad dhamanah (deposit), wakalah (representation), and ujrah (reward) as the basis of their operations. Transactions are conducted without elements of riba, gharar, and maysir, and user funds are deposited in partner sharia banks. In addition, digital zakat, infaq, and sedekah (charity) features reflect the application of Islamic social values and support the objectives of maqashid sharia