This study examines how Artificial Intelligence (AI) enhances Sharia compliance within Islamic Financial Institutions (IFIs) by improving operational efficiency, ensuring transparency, and addressing ethical and technical challenges. A quantitative survey across five Saudi regions resulted in 450 validated responses, analyzed using descriptive statistics, ANOVA, and regression models. The findings reveal that while AI significantly enhances transparency and compliance processes, its impact on operational efficiency is limited. Key barriers include high implementation costs, insufficient structured Sharia datasets, and integration complexities. Regional and professional differences further underscore the need for tailored adoption strategies. It introduces a novel framework integrating ethical governance, Sharia compliance, and operational scalability, addressing critical gaps in the literature. It offers actionable recommendations for AI adoption in Islamic finance and contributes to the global discourse on ethical AI practices. However, the Saudi-specific focus highlights regional dynamics that may limit broader applicability. Future research could extend these findings through cross-regional comparisons to validate and refine the proposed framework. By fostering transparency and ethical governance, AI integration aligns Islamic finance with socio-economic goals, enhancing stakeholder trust and financial inclusivity. The study emphasizes the need for targeted AI training, the development of structured Sharia datasets, and scalable solutions to overcome adoption challenges.
The developmental and advancement of engineering vis-à-vis scientific and technological research and development (R&D) has contributed immensely to sustainable development (SD) initiatives, but our future survival and development are hampered by this developmental and advancement mechanism. The threat posed by current engineering vis-à-vis scientific and technological practices is obvious, calling for a paradigm change that ensures engineering as well as scientific and technological practices are focused on SD initiatives. In order to promote sound practices that result in SD across all economic sectors, it is currently necessary to concentrate on ongoing sustainable engineering vis-à-vis scientific and technological education. Hence, this perspective review article will attempt to provide insight from Sub-Saharan Africa (Nigeria to be specific) about how engineering vis-à-vis scientific and technological R&D should incorporate green technologies in order to ensure sustainability in the creation of innovations and practices and to promote SD and a green economy. Furthermore, the study highlights the importance as well as prospects and advancements of engineering vis-à-vis scientific and technological education from the in Sub-Saharan Africa context.
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