This research analyzes the algorithms used in digital banking from the perspective of compliance with the rulings related to forbidden usury in Sharia. The main objective of this research is to identify the Sharia challenges arising from new financial technologies in Islamic banking and to provide preventive jurisprudential-technical solutions. With the increasing expansion of digital banking and the use of hidden algorithms in financial processing, serious concerns have increased regarding the emergence of new forms of usury in the form of automated mechanisms. The findings of this research, which were conducted using a library method and a study of reliable jurisprudential and technical sources, show that some common mechanisms, including profit calculation algorithms, automatic validation, and dynamic pricing, despite their technical efficiency, may unintentionally lead to the occurrence of loan or transaction usury. In response to the aforementioned challenges, the present study, while identifying them, presents and suggests solutions to reduce the doubts raised regarding hidden smart usury, the most important of which are: designing algorithmic systems based on the principles and principles of Sharia, continuous Sharia supervision of the performance of these systems, and the use of transparent technologies such as interpretable artificial intelligence and blockchain. In addition, the need to train bank employees and customers, and the cooperation of jurisprudential supervisory institutions with technology developers to develop international standards have been recognized as essential. This study emphasizes the importance of adapting digital banking operations to Islamic standards so that, while maintaining efficiency and utilizing the benefits of modern technology, public trust in the Sharia soundness of the Islamic financial system is strengthened and strengthened.