Mohamed Anouar Gadhoum

A leading figure in Islamic finance, specializing in Takaful, Re-Takaful, and Financial Inclusion innovation, with over 15 years of experience in product structuring, regulatory advisory, and digital transformation across global markets. Dr. Gadhoum has worked with reputable institutions and led governmental and institutional projects—from developing policy and governance frameworks to guiding conversions to Islamic finance, Shariah compliance audits, and product structuring and certifications. In addition to his financial product structuring expertise, Dr. Gadhoum has built a strong track record as a Shariah compliance certifier for FinTech systems and platforms. He has certified and advised the Shariah integration of several innovative solutions, including: Talys - Intelligent Credit Management System (Tunisia, France, Egypt, KSA), i-SecuritiesHub (UK), MuscPay (France), Manzil (Canada), IFIN (Bahrain), etc. As a pioneer in technology-driven financial inclusion, Dr. Gadhoum is the founder and architect of PayDay Takaful, a groundbreaking InsurTech platform that combines Shariah-compliant microinsurance with salary-linked financial solutions to serve low-income and underserved workers. Holder of CSAA - AAOIFI (Bahrain) and Senior Associate at Chartered Islamic Finance Professional Institute- CIIFP (Malaysia), Dr. Gadhoum holds Advisory and Supervisory Board positions in multi-sector financial institutions across different countries, affirming his regional and global influence in the Islamic finance ecosystem.