Shariah Audit of Algorithms: The 2026 DPS Checklist
How a Shariah Supervisory Board audits scoring models, settlement flows, and riba logic in modern payment systems.
Why Audit Algorithms
Modern payment systems make decisions through automated models and rules. Shariah compliance must be audited at the code level, not just policy.
The 2026 DPS Checklist
- Scoring models: ensure there is no bias that violates the principle of fairness.
- Settlement flows: verify there is no delay that creates hidden riba.
- Riba logic: trace every interest/fee calculation in the code.
Execution
We run the audit with an independent Shariah Supervisory Board, document findings, and close gaps before release.