The Connected Core: Modernize without compromise

Produced in partnership with IBS Intelligence, this whitepaper explores how Islamic banks can modernize their core banking architecture while preserving Shari’ah integrity and operational control.

As Islamic finance assets approach $6 trillion globally, the paper highlights why legacy core systems are becoming a constraint on innovation, scalability, and governance. It examines the role of “Shari’ah-by-design” architecture in embedding compliance directly into product and transaction logic, enabling stronger auditability and faster product deployment.

Drawing on insights from banking executives across the GCC and Southeast Asia, the whitepaper also outlines a four-stage connected core maturity model for future-ready Islamic banking transformation. The paper further features Vision Bank’s launch of ADGM’s first digital Islamic corporate bank on an AAOIFI-certified core platform as a practical modernization case study.

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