With technological innovation in the financial sector (Fintech), the development of digital technology has brought great changes to the financial industry. However, behind these advantages, there are challenges that need to be overcome, one of which is data security and user privacy which is a major issue that must be faced by the financial industry. This study aims to see how regulations help the digital transformation of Indonesia's financial industry (fintech). This study is a qualitative research, in accordance with the object of study, this type of research falls into the category of library research.Regulation of the financial technology (fintech) sector is borne by many parties, including the government, non-governmental organisations, and industry players. In Indonesia, institutions such as the Otoritas Jasa Keuangan (OJK) and Bank Indonesia (BI) are responsible for shaping fintech policies and regulations.Regulations serve as a strong foundation to drive digital transformation in the financial industry. Flexible and inventive regulations protect consumers and encourage profitable investments for industry players. A clear legal framework allows financial institutions to innovate and produce financial goods and services that better suit the needs of society.

Zakat and waqf are forms of worship that have two dimensions, namely the vertical dimension, which is a manifestation of a servant's obedience to his rabb. This research is a qualitative research, in accordance with the object of study, this type of research is included in the category of library research.Islamic philanthropy in this case zakat and waqf are regulated by the state in the form of laws. The role of the state is still considered overlapping in some juridical cases in its application considering that the study in this research highlights more juridical aspects. Zakat and waqf are important instruments in Islamic philanthropy that have an important role in helping the poor, improving community welfare, encouraging wealth distribution, cleansing the Self and wealth, increasing piety to Allah SWT and achieving the goals of Islamic philanthropy. Effective and professional management of zakat and waqf will maximize its benefits to achieve these goals.