Our Mission
To eliminate information asymmetry in the global Islamic banking and capital markets by providing objective, quantitative, and public disclosure ratings.
Standard Alignment
Our 15 core attributes strictly map to the accounting, auditing, and governance guidelines issued by AAOIFI (Bahrain) and the IFSB (Malaysia).
Public Transparency
Every score is substantiated by audited annual reports, published fatwas, schedule of charges, and independent Shariah supervisory filings.
The Three Pillars of Institutional Compliance
Digital Dimension
Evaluates digital onboarding (e-KYC), mobile banking Shariah tools, public fatwa repositories, open banking APIs, and live Mudarabah profit-sharing return transparency.
Networks Dimension
Measures geographic branch density, dedicated Shariah advisory desks, ATM/CDM recycler reach, rural microfinance agents, and Halal merchant POS integration.
Consumer Friendly SLAs
Audits zero-hidden fee transparency, 48-hour Shariah dispute resolution turnaround, 24/7 multilingual customer support, and quarterly purified charity fund audits.
Independent Shariah Advisory Oversight
Our benchmarking methodology is supervised by seasoned Shariah scholars, chartered Islamic accountants, and FinTech regulatory economists from GCC, Southeast Asia, and South Asia.