Roadmap

AI governance for Islamic banks, quarter by quarter

ZeroH and Ask Ali are anchored to specific regulatory milestones across the GCC and ASEAN. This roadmap is what we have committed to deliver, and — equally important — what we have committed not to build. We update it as we sign new design-partner banks.

Q2 2026 — Now

In flight
  • Ask Ali public preview launched (12 May 2026)
  • ZeroH Disclosure positioning lock-in for QCB-licensed Islamic banks
  • Amanie Advisors full Shariah Fatwa
  • QFC Digital Assets Lab partnership active
  • SOC 2 Type II + ISO 27001:2022 + GDPR certifications maintained

Q3 2026

Planned
  • QCB AI Guidelines (Sept 2024) reference implementation — examiner-ready proof record
  • QCB Cloud Computing Regulation (April 2024) Azure OpenAI / Google Vertex compatibility matrix
  • AAOIFI Shariah audit trail module — annual cycle automation for SSB Secretaries
  • First QCB-licensed reference bank pilot
  • Lusail Digital Bank pre-launch infrastructure conversation

Q4 2026

Planned
  • CBUAE (UAE) Cloud Computing Standard alignment
  • CBB (Bahrain) regulatory module
  • Multi-jurisdiction Shariah precedent compilation (Qatar + UAE + Bahrain corpora)
  • Board Audit Committee briefing pack — standardised CCO + CRO deliverable
  • Ask Ali expanded to four Sunni madhāhib + selected Imāmī fatwa corpora

Q1 2027

Horizon
  • SAMA (Saudi Arabia) AI governance compliance certification track
  • Multi-bank sukuk structuring documentation workflow
  • IFSB AI guidelines compatibility
  • Cross-border Shariah disclosure audit (GCC + ASEAN bridge)

Q2 2027

Horizon
  • Malaysia BNM Policy Document on AI integration
  • Bahasa Malaysia and Bahasa Indonesia language coverage for Ask Ali
  • Indonesia OJK pre-pilot conversations
  • Brunei AMBD readiness assessment

Beyond 2027

Horizon
  • Bangladesh Bank Islamic banking integration (current pre-pilot scoping)
  • Africa: Nigeria CBN Non-Interest Banking framework, Kenya CMA Sharia-compliant capital markets
  • Europe: UK PRA / FCA Shariah-compliant institution support
  • US Islamic banking joint-venture readiness (state-by-state)
Anti-roadmap

What we have decided not to build

A roadmap is only credible if it commits both directions. We say no to these explicitly so our ICP — CCOs, CIOs, and SSB Secretaries at QCB-licensed Islamic banks — can see the discipline behind the focus.

Generic GRC for non-Islamic banking

Our ICP is QCB-licensed Islamic banks and digital banks with active AI deployments. Conventional GRC vendors already serve that wider market well.

Retail Shariah advisory (consumer-facing fatwa apps)

Ask Ali is a scholar-facing professional tool. Consumer fatwa apps are a different category — different ICP, different liability model.

ESG-only / sustainability-only platforms

Sustainability reporting (CSRD, SEC Climate, ISSB) is a supported framework inside ZeroH, but not the primary product wedge. Standalone ESG SaaS is a crowded category we will not chase.

Custom Shariah-screening for retail brokerage

Adjacent to Zoya and similar — we partner rather than compete here. Our scope is enterprise governance, not retail security selection.

Want to influence the roadmap?

We work most closely with QCB-licensed Islamic banks, Shariah Supervisory Board Secretaries, and pre-launch digital banks. Design-partner conversations shape what ships first.