A Spiritual-Economic Synergy Model to Strengthen Sustainability Sharia-compliant Digital Fintech in Indonesia

Abstract

The rapid development of financial technology (fintech) in Indonesia presents significant opportunities to strengthen the national economy through digital approaches. However, to ensure the long-term sustainability of Islamic fintech, it requires not only economic and technological factors but also spiritual values that form the ethical foundation of Islamic business practices. This study aims to develop a model that integrates Islamic spiritual values and economic principles to support the sustainability of digital Islamic fintech in Indonesia. The research employs a literature analysis approach, utilizing secondary sources such as journals, industry reports, and academic publications related to Islamic fintech and Islamic economics. The findings reveal that integrating spiritual and economic values produces four main pillars for the sustainability of digital Islamic fintech: (1) spiritual integrity as the foundation of digital trust, (2) economic justice as a guideline for business management, (3) digital inclusivity to encourage public participation, and (4) continuous innovation oriented toward the well-being of the community. This synergy enhances public trust and strengthens user loyalty toward the digital Islamic financial system. Furthermore, this study contributes theoretically to the development of a sustainability model for fintech based on *maqashid shariah* and serves as a practical guideline for industry players and policymakers in building an ethical and just digital economic ecosystem.