The intersection of financial technology (fintech) and Islamic banking is transforming the financial services landscape in Bangladesh, especially with the rise of Islamic personalized banking services. This research examines how fintech plays a role in providing Shariah-compliant, customer-oriented banking solutions that cater to the varied needs of the Muslim community in Bangladesh. With the swift rise of mobile banking, artificial intelligence (AI), blockchain, and data analytics, Islamic financial institutions in Bangladesh are progressively utilizing fintech innovations to enhance service personalization, boost financial inclusion, and adhere to Islamic principles. By employing a mixed-methods approach that includes stakeholder interviews, case studies, and analyses of fintech adoption trends, the study uncovers the main drivers, challenges, and regulatory factors influencing the integration of fintech into Islamic banking services. The results indicate that while fintech has transformative potential for customizing Islamic financial products—such as profit-sharing investment accounts, Zakat management, and halal wealth advisory—the integration also raises issues concerning Shariah governance, cybersecurity, and digital literacy. The research concludes with policy suggestions aimed at reinforcing the regulatory framework, encouraging innovation within Shariah boundaries, and advancing ethical fintech development that aligns with Islamic socio-economic goals. This study contributes to the ongoing conversation about digital Islamic finance and provides valuable insights for policymakers, financial institutions, and technology providers in Bangladesh.