Acceptance model for predicting adoption of Zakat, Infaq, and Sodaqoh (ZIS) digital payments in Generation Z

Tri Wahyu Oktavendi · Immanuel Mu’ammal

45 citations0/0 files storedJournal of Islamic accounting and business research

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Technology Adoption and User Behaviour Islamic Finance and Banking Studies Health, Technology, Consumer Behavior

Abstract

Purpose This study aims to explore the factors that can encourage Generation Z to continue using Zakat, Infaq and Sodaqoh (ZIS) digital payments. The factors used to determine the behavioral intention (BI) of Generation Z are adoption readiness (AR), perceived risk (PR), trust (TR) and personal innovativeness (PI). Design/methodology/approach AR (reflected by facilitating condition, social influence, ease of use and usefulness), PR (security risk and privacy risk), PI, TR and BI were tested using structural equation model (with smart PLS analysis tool). Findings AR and BI are influenced by PI. In addition, BI is also influenced by TR, where TR will increase if risk can be minimized. This study was not able to prove the role of risk on BI. Research limitations/implications This result focuses on Generation Z, so future research can compare results between generations. In addition, regulations between countries can affect the results of similar research, and factors that have not been used in this study can be used for future research. Practical implications The results show that several reflective models of AR and PR. By adding the TR factor, this study can be used to understand the attributes of the acceptance of the ZIS digital payment model. On the other hand, this research has practical implications for the success of cashless ZIS payment transactions. Originality/value The model in this study develops an existing acceptance model and uses this model in the ZIS digital payment for Generation Z.

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References

1991The theory of planned behavior 1989Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology 2003User Acceptance of Information Technology: Toward A Unified View1 1989User Acceptance of Computer Technology: A Comparison of Two Theoretical Models 2012Consumer Acceptance and Use of Information Technology: Extending the Unified Theory of Acceptance and Use of Technology1 1991Development of an Instrument to Measure the Perceptions of Adopting an Information Technology Innovation 1995Understanding Information Technology Usage: A Test of Competing Models 1999The Different Roles of Satisfaction, Trust, and Commitment in Customer Relationships

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