Throughout this journey, one reality has become increasingly clear.
Islamic finance has grown rapidly, but the institutional memory of Shariah decisions has not always grown at the same pace.
Shariah advisors rotate. Committees change. Officers come and go. New fatwas are issued while earlier resolutions remain relevant.
Over time, even experienced practitioners may struggle to recall:
- past Shariah resolutions,
- nuanced conditions attached to earlier approvals,
- or the evolution of scholarly views across different jurisdictions
This challenge is not limited to junior officers.
It is equally real among seasoned Shariah professionals, researchers, and decision makers especially in an industry where accuracy, context and precedent matter deeply.
2024
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The Gen AI Paradox in Islamic Finance
With the rise of generative AI, many expected Shariah research and advisory work to become easier and faster.
In reality, the opposite often happens.
Public generative AI tools:
- hallucinate references,
- mix opinions without context,
- oversimplify complex fiqh issues,
- and occasionally produce answers that, if taken at face value, may open the door to misinformation, reputational risk, or even fitnah.
Instead of reducing workload, Shariah officers often find themselves spending more time:
- cross checking AI outputs,
- verifying sources,
- and undoing errors that were never supposed to appear in the first place
In sensitive domains like Shariah, unchecked AI is not a productivity tool it is a risk multiplier.
