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This paper explores the role and significance of ‘ijtihad’ in the development of Islamic financial technology products in Indonesia. The research methods used philosophical and conceptual approaches. Based on the analysis, this paper concludes that Islamic finance technology has a positive role in encouraging the growth of assets of Islamic financial institutions and Islamic banking. The trend of the development of Islamic financial products has turned out to be linear with the growth of the spirit of "ijtihad" through the 120 DSN-MUI fatwas, including the issuance of fatwas that regulate of financial technology. According to epistemological level, the issuance of the financial technology fatwa shows that "ijtihad" DSN-MUI is in accordance with the spirit of progressive law,that the fatwa serves as the legitimacy of fiqh in the development of contemporary financial products in Islamic banking.

The Role of Ijtihad and the Development of Sharia Financial Technology Products in Indonesia