... for Islamic financial institutions is still developing due to the covid global lockdown and the looming recession, and this study will help enhance theorisation necessary that can aspire economic recovery after current challenges. FinTech Digital risks management Social justice Financial inclusion...

... framework is used, and the model integrates five factors which are considered most likely to have influence on human development. The model proposes that individual factors such social justice and human rights have effects on the factors of human development. Originality value This study provides...