BUILDING DUAL BANKING ECOSYSTEMS: REGULATORY ARCHITECTURE AND INTEGRATION MODELS OF ISLAMIC AND CONVENTIONAL FINANCE IN EMERGING MARKETS

Authors

  • Saida Sayfutdinova Komiljon qizi Independent Researcher Tashkent, Uzbekistan

DOI:

https://doi.org/10.5281/zenodo.20174913

Keywords:

banking, Islamic finance, regulatory architecture, Shariah governance, emerging markets, civil law, Uzbekistan.

Abstract

The expansion of finance has led to the development of dual banking systems in many emerging economies. This article examines the architecture and integration models of dual banking ecosystems through a comparative study of Malaysia, Gulf Cooperation Council (GCC) countries, Turkey and Kazakhstan. The methodology involves analyzing regulatory documents, official reports and academic literature. The article proposes a regulatory framework emphasizing transparency, centralized Shariah governance, regulatory parity, capacity building and consumer protection.

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References

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Published

2026-05-14

Issue

Vol. 5 No. 5 (2026): Journal of Multidisciplinary Sciences and Innovations

Section

Articles

License

Creative Commons License

This work is licensed under a Creative Commons Attribution 4.0 International License.

Authors retain the copyright of their manuscripts, and all Open Access articles are disseminated under the terms of the Creative Commons Attribution License 4.0 (CC-BY), which licenses unrestricted use, distribution, and reproduction in any medium, provided that the original work is appropriately cited. The use of general descriptive names, trade names, trademarks, and so forth in this publication, even if not specifically identified, does not imply that these names are not protected by the relevant laws and regulations.

How to Cite

BUILDING DUAL BANKING ECOSYSTEMS: REGULATORY ARCHITECTURE AND INTEGRATION MODELS OF ISLAMIC AND CONVENTIONAL FINANCE IN EMERGING MARKETS. (2026). Journal of Multidisciplinary Sciences and Innovations, 5(5), 898-902. https://doi.org/10.5281/zenodo.20174913

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