The recurrent financial crises that have had devastating impact on the real economy have provided an opportunity for many to claim that Islamic Banking and Finance (IBF) is a more stable and just an alternative. However, of late, there are also an increasing number of voices criticizing its development, saying that it is merely conventional banking in Islamic clothing (paraphrased), and hence cannot achieve noble goals Islamic economics has set out. Required: Fully Discuss Using your own words, what is one specific criticism leveled against Islamic Banking and Finance (IBF)?