Adopting technology in Islamic digital Banks (Al -Rajhi Bank as a model)

This study aims to analyze the role of financial technology in enhancing the performance of Islamic banks, with a particular focus on Al Rajhi Bank as a pioneering case.The study adopts a dual-method approach, combining a descriptive methodology for the theoretical framework with an analytical approach to examine the bank's annual reports and performance indicators, drawing on Al Rajhi's official reports (2023/2024), platform data, and specialized academic studies.The findings reveal that Al Rajhi Bank's investments and initiatives in fintech have significantly contributed to improving its overall performance.These efforts have led to tangible improvements in the quality of banking services, expansion of the customer base, reduction of operational costs, and increased levels of efficiency and innovation.Moreover, this strategic orientation has enabled the bank to keep pace with the rapid digital transformation in the financial sector, while maintaining the Sharia-compliant nature of Islamic banking.These efforts culminated in the bank receiving several prestigious international awards in digital transformation, most notably the "Best Digital Bank in the Middle East" award..