Abstract: This study looks at if Bangladeshi people are becoming victims of financial scams and crypto frauds. It also looks at the role of financial literacy and cybersecurity education and Islamic finance ethics. The rapid growth of digital finance systems has resulted in new vulnerabilities allowing people and institutions to be the victim of frauds. The financial sector of the country Bangladesh remains vulnerable due to lack of educational initiatives, weak cyber security protocols, and underdeveloped regulations. The study presents a cross-disciplinary framework that combines financial literacy, cyber security practices and Islamic finance principles and enhances the security and ethicality of the financial ecosystem. This can help policy makers, financial institutions and regulators to achieve consumer protection, trust and fraud prevention. They hope this integrated approach will help economies like Bangladesh with all the new opportunities growing and regulation changes in digital finance.
Keywords: Financial Literacy, Cybersecurity, Cryptocurrency Fraud, Islamic Finance, Financial Scams, Digital Financial Services, Consumer Protection, Regulatory Framework

This work explores the Meezan Bank’s CSR activities through the lens of Maqasid al-Shari’ah. With a leading role in Islamic banking, MB claims Shari’ah compliance and sustainability practices while meeting global sustainability frameworks. Through this study, Meezan Bank’s Annual CSR and sustainability Reports 2020–2024 have been analyzed utilizing a qualitative case study approach. Data was evaluated through thematic content analysis, categorizing the bank’s CSR and sustainability initiatives under the five Shari’ah Maqasid i.e., protection of religion, life, intellect, progeny, and wealth. The key findings are - the bank has strong engagement in the areas such as financial inclusion, education, healthcare, environmental conservation, and poverty alleviation directly serving the several Sharia Maqasid. Initiatives like solar energy adoption, Kissan Baithak programs, and educational support activities not only reflect commitment to ethical banking but to sustainability as well. However, it is noticed that quantitative impact metrics, limiting measurability and comparability across years in reporting, often lack. Integration with global ESG standards was partial, lacking systematic benchmarking. It is suggested to enhance alignment and credibility, MB should integrate measurable KPIs linked to Maqasid al-Shari’ah, adopt standardized ESG frameworks e.g., GRI, and conduct usual outcome-based evaluations. Strengthening transparency will improve both Sustainability and global competitiveness.
Keywords: Shari'ah Compliance, Islamic Finance, Maqasid al-Sharia’h, Corporate Social Responsibility (CSR), Environmental, Social, and Governance (ESG), Meezan Bank.

This study aimed to examine how organizational readiness, specifically innovation value, change efficacy, and contextual factors, influence sustainability achievements in Pakistani Islamic banks, with fintech adoption as a mediating mechanism and the regulatory environment as a moderator. A quantitative, deductive research design was employed using a higher-order structural equation modeling (SEM) approach. Data were collected from a stratified sample of 478 respondents from fully fledged Islamic banks and Islamic windows of conventional banks in Pakistan. Validated scales were adapted to measure all constructs using a five-point Likert scale. Findings revealed that Innovation valance and contextual factors significantly predicted fintech adoption, which in turn enhanced economic, environmental, and social sustainability outcomes. Change efficacy had a direct influence on economic and environmental sustainability but did not significantly affect fintech adoption. The regulatory environment positively influenced fintech adoption but did not moderate the indirect relationships between readiness constructs and sustainability outcomes. The results underscore the importance of value alignment and strategic cultural readiness over technical change capability in driving fintech-enabled sustainability. Regulatory support alone is insufficient to condition organizational behavior without internal congruence. This study extends the organizational readiness for change theory by incorporating fintech as a mediating mechanism and demonstrating that innovation legitimacy and contextual alignment are critical for sustainability transitions in faith-based financial institutions.
Keywords: Islamic banking, organizational readiness, fintech adoption, sustainability achievement, regulatory environment

In financial markets, investors always look for optimal investment avenues. This paper extends the non-linear impact of the Optimistic Bitcoin sentiments index (OBSI) on conventional and Islamic indices of Dow Jones Industrial Average (DJIA). Returns of DJIA conventional (four) and Islamic (four) indices are the dependent variables. To explore the symmetric and asymmetric impact of OBSI on stock returns, this research applies Autoregressive Distributed Lag (ARDL) order model and the Non-linear ARDL model for the time period of January 2013-May 2020on monthly data. The empirical results exhibit that the Bitcoin sentiments are asymmetrically associated with the indices returns. The results of conventional Dow Jones Indices suggest that the OBSI asymmetrically and negatively influence all indices. Here positive OBSI affect negatively on small, medium, and large-capitalization portfolios in short-run and only on small and medium indices in the long-run. Whereas negative OBSI affects small and large capital indices for short-run and small, medium, and large capital indices’ returns for the long run. However, DJIr remains unaffected. Islamic, Dow Jones indices results suggest that positive OBSI asymmetrically and negatively influence all DJIM, small, medium, and large-capitalization portfolios in the short-run and long-run. Whereas, negative OBSI has a significant impact on DJIM, small, medium, and large for the long-run only. For short-run negative OBSI only affect small market capitalization portfolio with significant results. More specifically the stronger effect is coming from a negative change in OBSI in long-run results in all seven indices except DJI returns. This may be concluded that when there is an increase in sentiments related to Bitcoin the returns of Islamic and Conventional Indices of Dow Jones decreases and when these sentiments are negative(decline) the returns increase with a significant difference. These findings suggest that not only conventional US indices get affected but also Islamic US indices show a significant impact. Hence, investors can increase the returns with a diversified portfolio containing Bitcoin.
Keywords: Asymmetric, Conventional, Cryptocurrencies, Islamic, Optimistic,