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All Journal Journal of Islamic Monetary Economics and Finance
Uus Ahmad Husaeni
Universitas Suryakancana, Indonesia
Economics, Econometrics & Finance

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Extending the UTAUT to Examine Factors Influencing the Intention to Infaq and Sadaqah Using Mobile Banking: Evidence from Muslim Millennials in Indonesia Uus Ahmad Husaeni
Journal of Islamic Monetary Economics and Finance Vol. 12 No. 3 (2026)
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21098/jimf.v12i3.2453

Abstract

This study extends the Unified Theory of Acceptance and Use of Technology (UTAUT) model to examine the factors that influence the intention to infaq and sadaqah using mobile banking among the millennial Muslim generation in Indonesia.  In addition to UTAUT variables, namely performance expectancy, effort expectancy, social influence, and facilitating conditions, we include trust in institutions, religiosity, and habit as potential factors. Primary data were gathered by means of questionnaires completed by 207 respondents, analyzed using the partial least squares-structural equation modeling (PLS-SEM) method. The main results indicate that performance expectancy, effort expectancy, social influence, facilitating conditions, trust in institutions, and religiosity influence the intention to infaq and sadaqah using mobile banking. However, habit does not determine such intention. Social influence is the most dominant factor, which shows that Muslim millennials in Indonesia have fairly high social sensitivity as a form of social responsibility. It also confirms that encouragement from family, friends and influential people around them is an important consideration for Muslim millennials to give infaq and sadaqah through mobile banking.
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