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Financial technology (fintech) services in Indonesia are growing rapidly, including sharia fintech that operates based on sharia principles. DSN-MUI Fatwa No. 117/DSN-MUI/IX/2018 is the operational basis for sharia fintech, although the Financial Services Authority (OJK) has not fully integrated it into binding regulations. This study examines sharia compliance in sharia fintech services using library research methods. The results of the study indicate that although sharia fintech has grown, stronger legal instruments are needed so that sharia compliance is implemented comprehensively. The role of the Sharia Supervisory Board (DPS) is very important in ensuring that sharia principles are implemented. However, supervision and legal protection for sharia fintech consumers are still minimal. Therefore, special regulations and strengthening of the DPS function are needed to ensure that sharia fintech truly complies with Islamic legal principles, maintains the existence of fintech, and increases consumer trust.

The integration of health insurance with Fixed Deposit Receipts (FDR) and Deposit Pension Schemes (DPS) represents a significant innovation in the banking sector, offering new opportunities for financial institutions, insurers, and consumers. This paper explores the potential of merging health insurance with FDR/DPS schemes, focusing on how such integration can enhance financial inclusivity and healthcare accessibility, particularly in developing countries.  The study outlines the theoretical framework supporting this integration and analyzes the associated challenges, including regulatory and operational barriers.  It also highlights the potential benefits for banks, such as customer base expansion and increased savings attraction, while offering consumers the dual advantage of financial security and health coverage. Through a case study of the banking sector in Bangladesh, this paper provides insights into how such models can be implemented in emerging economies. Additionally, we address the barriers to successful integration, including regulatory hurdles and consumer awareness. The findings indicate that this integration could serve as a strategic tool for banks to broaden their customer base and contribute to the healthcare system's resilience.   Finally, the paper discusses policy implications and future trends, emphasizing the role of technology in facilitating these hybrid financial products.  This research contributes to the growing body of knowledge on the intersection of finance and healthcare, offering strategic directions for stakeholders in both sectors

The Sharia Supervisory Board (DPS) has an important role in supervising and ensuring compliance by the Jambi Syariah Regional Development Bank (BPDSJ) with sharia principles. This research aims to identify the role of DPS on BPDSJ performance in the context of supervision of sharia aspects. The research method used is qualitative with a descriptive approach. Data was collected through in-depth interviews with DPS members, bank management and relevant regulators. The research results show that DPS plays a role in determining sharia policies, conducting sharia audits, and providing recommendations to improve bank performance in implementing sharia principles. In this context, DPS plays a key role in maintaining the integrity and credibility of BPDSJ in the eyes of the public and increasing customer trust in sharia banking services.