Exploring the Complementary Role of Generative AI and Blockchain in the Evolution of Islamic Banking Transactions: Challenges and Strategic Solutions

This study aims to define generative artificial intelligence and Blockchain technology, explain their mechanisms, and explore their applications in the Islamic banking sector along Murabaha, with the challenges they face. The study adopts descriptive, inductive, and analytical methodologies. The findings reveal that the integration between Blockchain technology and generative AI—which is capable of prediction and precise data analysis—enables the provision of customized financial products. For instance, these technologies can assist banks in creating credit cards tailored directly to consumers' priorities, transforming existing bank cards into smart ones. This allows bank management to identify customers' interests and subsequently design cards specifically suited to everyone’s spending and shopping habits. The study recommends training banking sector employees on modern technologies and building public trust in emerging technologies through courses, workshops, and scientific seminars introducing these innovations, And its application in Islamic financing formulas, especially Murabaha.