Islamic finance is a practice system that aligns with Shariah obligations, making it different from conventional finance. Besides, Islamic finance and conventional knowledge both positively contribute to the level of financial literacy. It was suggested that financial education is important in elevating financial literacy levels. Furthermore, financial education prepares an individual with the knowledge and skills to make wise financial decisions. As a result, an individual who is uneducated with financial knowledge is exposed to the risk of scams, fraud, and negative financial behaviour such as overspending, impulsive purchasing, unplanned financial action, mismanaging debt, and lack of saving. In addition, Malaysia is known as an Islamic financial hub, which should prioritise the development of Islamic financial education. Alternatively, the advancement of digital technologies has paved the way for the emergence of digital platforms as effective tools in financial education. This study aims to find the factors that contribute to the intention to use digital platforms for Islamic financial education using the structural equation model (SEM) approach. The findings of this study show that social influence, performance expectancy, effort expectancy and interpretive flexibility significantly affect the intention to use digital platforms for Islamic financial education among Malaysian young adults. At the same time, no significant effect is found on Islamic financial knowledge. The findings of this study hope to provide insight into the development of Islamic financial education in future, in addition to helping the Malaysia government to achieve the vision of the Financial Sector Blueprint 2022-2026

This research investigates the role of artificial intelligence, specifically Robo advisors, in society's financial knowledge. Previous studies have mainly focused on the role of Robo advisors in investment decision-making aspects. However, this study focuses on how Robo advisors can facilitate learning in six critical areas of financial planning, both Islamic and conventional. These areas include retirement planning, investment planning, tax and zakat planning, risk management planning, retirement planning, and estate planning. The study interviewed various stakeholders, including bankers, financial education trainers, financial advisors, and members of society. The goal was to gain a comprehensive understanding of the digitization of financial knowledge and the implementation of robo-advisors. The findings reveal that Robo-advisors have the potential to stimulate interest in financial knowledge, particularly if they serve as gateways to a range of financial advisory services and act as tools for providing basic-level financial advice and information sharing. The convenience factor allows individuals to access initial insights into financial knowledge at their preferred time and location. Overall, this study significantly contributes to the advancement of financial education.

The advancement of the technology industry is forcing MSMEs (Micro, Small and Medium Enterprises) particularly in the FnB (Food and Beverages) MSME sector to become more familiar with digital financial transaction activities. The need for a payment mechanism that is fast and safe has given rise to new ideas for digital financial transaction services in the form of payment via e-wallet or scan-barcode (QR Code). QR code inside this study refers to the Quick Response Code Indonesian Standard (QRIS) which has been implemented by Bank Indonesia since January 1, 2020 as a means of payment tool for digital transactions nationally and an official QR Code set by the Central Bank of Malaysia. The largest digital payment application that is widely used by Micro, Small and Medium businesses in Indonesia, namely GoPay, Ovo, GPN, Dana, and Shopeepay, while in Malaysia, namely Grabpay, Alipay and Wechatpay. Along with increasing access to technology in digital payments, a new service was developed in the form of a digital wallet as a successor electronic money. This study aims to examine the effect of digital payment instruments on the total daily income transactions of MSMEs, as well as their role in supporting efficient operations and credit scoring. The research method employs a qualitative approach for MSMEs in Indonesia and Malaysia. Additionally, a quantitative approach will be employed, surveying respondents using questionnaires with a Likert scale specifically designed for QR code users. This hypothesis analysis will prove that the transaction growth variable digital payments together have a positive and significant effect on value MSME income contribution. Therefore, this research will find that interest high MSMEs by providing QR Code digital payment options have an impact on increasing efficiency in managing business and making customers feel satisfied.