1) The Islamic finance industry is now mature enough that it no longer needs to emphasize the "Islamic" label in its branding, and could benefit from an independent organization assigning sharia quality ratings to increase transparency. 2) One challenge is that the "Islamic" terminology sometimes confuses consumers, especially in non-Muslim majority markets where more must be done to demonstrate that Islamic banks do not pose greater risks than conventional banks. 3) The CEO believes for-profit sharia advisory firms represent a weakness in governance and that sharia costs should not be passed on to customers; emphasizing the tangible benefits like linking transactions to real assets could help the industry grow without relying on religious terminology.