Ameziane, Anissa2025-05-042025-05-042025-04-17Ameziane, Anissa. Applications Of Financial Technology. Journal of business and finance economy. Vol. 10. N. 01. 17 april 2025. faculty of economie commercial and management sciences. university of el oued .2543-3660https://dspace.univ-eloued.dz/handle/123456789/37896Financial technology has introduced fundamental and structural changes to the business models of the Islamic financial industry. Therefore, this study aims to shed light on this relationship by examining the essence of Islamic financial technology, various innovative Islamic financial technologies, and highlighting the key opportunities and challenges it faces. The study concludes that Islamic financial technology has emerged as a modern alternative to traditional financial services. Financial institutions cannot afford to remain unchanged if they seek to sustain their presence; rather, they must integrate technology into the core of their operations. To maintain competitiveness at both local and global levels, these institutions must keep pace with developments by meeting the evolving needs of contemporary customers.en: Islamic Financial IndustryFinancial TechnologyDigital TransformationShariah RegulationsCustomer Needs.Article