This issue has been available online since 27th December 2025 for the regular issue of December 2025. All articles in this issue (9 original research articles) were authored/co-authored by 29 authors from 10 countries (United Arab Emirates, Brazil, Canada, Egypt, Indonesia, Japan, Kuwait, Malaysia, Philippines, Singapore)

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DOI: https://doi.org/10.70177/jmf.v3i3

Published: 2025-12-27

Articles

Cybersecurity Risks in Digital Finance: Regulatory and Ethical Challenges in Protecting Consumers

Anggun Wida Prawira (1), Tiago Costa (2), Clara Mendes (3)
(1) Universitas 17 Agustus 1945 Surabaya, ID Indonesia,
(2) Universidade Federal Rio Janeiro, BR Brazil,
(3) Universidade Estadual Campinas, BR Brazil
239-249
Abstract Views : 107
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10.70177/jmf.v3i2.2496
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Green Sukuk as a Sustainable Financing Instrument: Evidence from Indonesia and Malaysia

Mega Ilhamiwati (1), Ryan Teo (2), Lucas Wong (3)
(1) Institut Agama Islam Negeri Curup, ID Indonesia,
(2) Republic Polytechnic, SG Singapore,
(3) Singapore Management University (SMU), SG Singapore
250-264
Abstract Views : 233
Download :114
10.70177/jmf.v3i2.2576
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Artificial Intelligence for Predictive Risk Management in Islamic Banking: Opportunities and Ethical Challenges

Aisyah Defy Rahmayani Simatupang (1), Yui Nakamura (2), Sakura Suzuki (3)
(1) Universitas Cendekia Abditama Tangerang, ID Indonesia,
(2) Kyoto University, JP Japan,
(3) Waseda University, JP Japan
265-279
Abstract Views : 144
Download :88
10.70177/jmf.v3i2.2574
PDF

Investor Psychology and Sentiment Analysis in Cryptocurrency Markets: A Behavioral Finance Approach

Juliana Kadang (1), Maria Clara Reyes (2), Samantha Gonzales (3)
(1) Universitas Tadulako, ID Indonesia,
(2) Ateneo de Manila University, PH Philippines,
(3) University of Santo Tomas, PH Philippines
280-294
Abstract Views : 200
Download :152
10.70177/jmf.v3i2.2577
PDF

Global Tax Transparency and Fairness: Implications for Multinational Corporations in the Digital Economy

Loso Judijanto (1), Ahmed Al-Sabah (2), Ni Wayan Lia Apriani (3), Dod Setiawan Riatmaja (4)
(1) IPOSS Jakarta, ID Indonesia,
(2) Kuwait University, KW Kuwait,
(3) Politeknik Negeri Bali, ID Indonesia,
(4) Universitas Amikom Yogyakarta, ID Indonesia
306-317
Abstract Views : 67
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10.70177/jmf.v3i2.2927
PDF

Ethical AI in Financial Decision-Making: Balancing Innovation, Regulation, and Social Justice

Shohib Muslim (1), Ahmed Hossam (2), Mona Abdallah (3), Farida Akbarina (4)
(1) Politeknik Negeri Malang, ID Indonesia,
(2) Cairo University, EG Egypt,
(3) Alexandria University, EG Egypt,
(4) Politeknik Negeri Malang, ID Indonesia
318-330
Abstract Views : 69
Download :53
10.70177/jmf.v3i2.2714
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Sustainable Finance and Digital Innovation: Synergies for Achieving SDGs in Emerging Economies

Imron Natsir (1), Omar Al-Fahim (2), Rasha Al-Ansari (3)
(1) Universitas PTIQ Jakarta, ID Indonesia,
(2) United Arab Emirates University, AE United Arab Emirates,
(3) American University in Dubai, AE United Arab Emirates
331-344
Abstract Views : 53
Download :28
10.70177/jmf.v3i2.2789
PDF

Islamic Fintech Platforms for Financial Inclusion: Case Study on Digital Banking in Rural Communities

Takim Mulyanto (1), Sarah Williams (2), David Martin (3)
(1) Universitas Merdeka Malang, ID Indonesia,
(2) University of Toronto, CA Canada,
(3) McGill University, CA Canada
345-355
Abstract Views : 111
Download :103
10.70177/jmf.v3i2.2928
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Blockchain-Based Smart Contracts in Microfinance: Enhancing Trust and Reducing Transaction Costs in Southeast Asia

Farida Akbarina (1), Nina Anis (2), Rashid Rahman (3)
(1) Politeknik Negeri Malang, ID Indonesia,
(2) Monash University, MY Malaysia,
(3) Universiti Putra, MY Malaysia
356-365
Abstract Views : 59
Download :33
10.70177/jmf.v3i3.3022
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