The scenario You are the finance manager at one of the largest Islamic banks in Malaysia. Due to COVID-19 pandemic, the demand has almost been none and your company is facing severe financial difficulties. The company has been employing 2,500 people in the head office, financing network, sales and marketing. Your CEO has informed you that you need to find ways for saving measures and has asked you to come out with a list of who in the finance team should be retrenched. Other than that, digitalisation and the increased prominence of financial technology (fintech) are the keys in facing the challenges of Covid-19. Fintech can strengthen standardisation, streamline processes, reduce costs and boost transparency; making Islamic financial instrument more relatively competitive than the conventional form. A rumour has started among staff in the head office that there is going to be major job cuts, and everyone in your team is emailing you, asking whether their job is safe. Some team members are telling you about their financial struggles with the hope that it will persuade you to save their job over others'.