This study explores how Artificial Intelligence (AI) can be effectively integrated into Islamic financial education and career guidance for youth in Southeast Asia. Adopting a mixed-method design, the research combines literature analysis with a survey of 369 university students in Vietnam, mostly non-Muslims, to assess perceptions, expectations, and readiness for AI-enhanced learning. Despite limited prior exposure to Halal finance, over 70% of participants positively evaluated AI’s potential to support financial literacy and vocational development. Key findings reveal four foundational components for an integrated AI framework: (1) personalized learning pathways; (2) a Shariah compliance layer to ensure ethical and lawful content; (3) AI-driven career counseling based on learner profiles; and (4) ethical feedback mechanisms involving educators and religious advisors. The results confirm AI’s potential to democratize access to Shariah-compliant financial knowledge while fostering culturally sensitive career competencies. A conceptual model is proposed to guide the development of inclusive AI platforms that serve both Muslim and non-Muslim youth in diverse societies. The paper concludes with actionable policy recommendations for educational institutions, Islamic fintech developers, and regional policymakers to co-develop culturally adaptable, ethically sound AI solutions that align with Islamic finance principles and promote youth empowerment.