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I will lead conventional to islamic banking conversion
Habib
About this gig
Transformation is not just a legal switch; it is a code rewrite.
Converting a conventional interest-based bank or Fintech into a Shariah-compliant entity requires a practitioner who can surgically remove compounding interest loops and replace them with asset-backed trading logic.
As an AAOIFI Certified Shariah Advisor & Auditor (CSAA) and MBA, I specialize in directing end-to-end Digital Banking Transformation. From directing technical migrations in Oman to guiding Neobanks through the SAMA Sandbox in Riyadh, I bridge the gap between legacy systems and AAOIFI-grade integrity.
My Transformation Roadmap:
- Legacy Logic Audit: Identifying interest-based triggers and non-compliant automated loops within your current tech stack.
- Functional Logic Migration: Re-engineering product engines (Murabaha, Ijarah, Mudarabah) to ensure sequential execution for Digital Onboarding.
- System-Level "Fail-Safes": Designing hard database locks for Qabd (Possession) and automated ownership timestamps.
- UAT & Regulatory Defense: Personally auditing the new system logic (User Acceptance Testing) to ensure it passes SAMA/GCC inspections.
Message me to discuss your migration roadmap.
Get to know Habib
Habib
AAOIFI Shariah Advisor, Global Islamic Fintech, Digital Banking SME
- FromPakistan
- Member sinceDec 2025
- Avg. response time5 hours
- Last delivery2 months
Languages
Urdu, English, Arabic
AAOIFI CSAA | MBA | 15+ Yrs Exp. I bridge Shariah scholarship and digital execution for 250+ global clients, solving the "Translation Gap" for Fintechs and Banks. Rooted in authentic jurisprudence, I lead university-level curricula development and research. My expertise includes SAMA/ADGM alignment, Institutional Audits, Equity Screening, and Corporate Zakat. I don’t just provide Fatwas; I engineer hard-coded IT logic (UAT/System Locks) to ensure digital products are commercially viable and regulator-ready.
Let's build your ethical foundation.
My Portfolio
FAQ
Can you handle technical core-banking migrations?
Yes. I provide the Shariah Requirements Documents (SRDs) that your IT and Fintech developers need to rewrite the core ledger logic from interest-bearing to asset-backed.
Do you support SAMA or ADGM Sandbox applications?
Absolutely. I ensure the new technical architecture meets the specific Digital Banking mandates for the SAMA Sandbox or ADGM RegLab, ensuring a smooth path to licensing.
Is a Shariah Compliance Certificate included?
Yes, for Premium tier projects, I issue a formal, signed Shariah Compliance Certificate once the technical logic passes UAT and is ready for live deals.
