assalamu allayikum and hello everyone today I'll be presenting about Sharia compliant cash finances system focusing on the challenges and what can we do to improve them in the context of Islamic finance in today's world people are using less physical money and more digital tools like e-wallet Q payment and online banking this cash system are convenience but they also raise issue for Islamic finance such as the risk of invol and making sure everything stay within their shar compliance so how do we move forward with technology while trying to to our Islamic values there are challenges firstly rebound or interest is clearly prohibited in Islam if digital wallet are linked to interest based account or offer cash back from non-Islamic partnership they can become non-compliant next we have har or asentency this happen when user don't understand hidden fees or work terms these are issue mentioned in al Quran and must be avoided also Islam asset custom or and public benefit of laha so cashless system can be accepted if used in ethical and transparent way next the contracts and compliance to ensure shar compliance islamic contract like wadi wakala and murabaha are applied wadi means safekeeping used in ewallet meanwhile Wakala is about agency such as bill payment or fund transfer this helps structure cash platform in ways that a permissible in Islam for the inclusion and trust another big challenge is inclusion people in rural area or elderly users may have not digital skill or access this goes against the objective of his almal protecting the wealth we can apply it design which mean choosing the better option even if not the stretches it will bring more fairness this can lead to simpler apps or mix manual and digital system for those who need it next vintage VS Islamic banks vintage apps are fast and userfriendly but many lacks proper sharing oversight islamic banks like bank Islam and CINB Islamic do offer digital platform using contract like Wakala and Murabaka but their usability is often not as good as vintage app that's why collaboration between banks and sharing a compliance vintage is so important it is to improve both compliance and user experience what can be done first in shall ask scholars to check vintage contracts Second Islamic bank should improve their apps and services third make tool simpler for people in rural area such as add language option easy design and support counters and finally educate the public so Muslims can recognize which features are truly Sharia compliance in conclusion going cashes is part of modern life but it must be done in right way by using contract like wad wakala and murabaha and applying Islamic principle like eastan and uru we can create ethical system also with collaboration awareness and strong shar governance we can build a fair and inclusive digital finance system that protect our values and wealth thank you for listening