Prof. Emer. Dr. Barjoyai Graduate School of Business UNIRAZAK
The 4.0 economy will affect the service and finance by the migration to virtual world. Next move will remove the payment system from credit economy like Alipay to virtual currency. We will no longer use fiat or credit but cryptocurrency that will not be governed by any one power but be independent of economy.It will form a new economy. It holds the potential of revolutionizing Islamic finance and banking by removing riba and intermediaries. It will support in building an identity for Islamic economy with an Islamic global currency.