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All Journal eCo-Buss Ilomata International Journal of Management Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Innovative: Journal Of Social Science Research Journal of Educational Management Research
Ana Fitriana
Universitas Tanjungpura
Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Pengaruh Knowledge dan Religiusitas terhadap Minat Menggunakan Layanan LinkAja Syariah dengan Mediasi Trust Dea Avilla Putri; Erna Listiana; Bintoro Bagus Purmono; Wenny Pebrianti; Ana Fitriana
Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora Vol. 12 No. 2 (2026): Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/alwatzikhoebillah.v12i2.5250

Abstract

The development of Sharia financial technology (fintech) has encouraged the emergence of digital wallet services based on Islamic principles, one of which is LinkAja Syariah. This study aims to analyze the influence of knowledge and religiosity on the intention to use LinkAja Syariah, with trust as a mediating variable. This study employed a quantitative approach using a survey method involving 200 respondents who were digital wallet users in Indonesia. The data were analyzed using the Partial Least Squares Structural Equation Modeling (PLS-SEM) method. The results indicate that knowledge has a significant effect on the intention to use, both directly and indirectly through trust. Religiosity does not have a direct effect on the intention to use, but it has an indirect effect through trust. Trust is proven to be a key factor in encouraging public interest in using Sharia digital financial services. These findings suggest that understanding the service and confidence in its security and Sharia compliance are essential foundations in shaping usage intention. This study contributes to enriching the literature on consumer behavior in Sharia fintech and emphasizes the role of trust as a bridge between cognitive factors, religious values, and the intention to use the service.
Co-Authors Adhelia Juwita Chairunnisa Adrian Bosrin Ahmadi Ahmadi Ahmadi Anggraini Syahputri Anwar Azazi Anzil Saputri Arman Jaya Barkah Barkah Barkah Belinda Putri Widyaningrum Bimewahqi Najmi Bintoro Bagus Purmono Bony Fasius Dea Avilla Putri Dody Pratama Marumpe Ensi Rahmayanti Erna Listiana Evi Safitri Giriati Harry Setiawan Haryadi Haya Inayah Khaulah Helma Malini Ilzar Daud Ima Kumala Safmi M. Irfani Hendri M. Ridwan Ristyawan Markel Yosa Marsa Septiarni Mazayatul Mufrihah B11212091 Meisa Mochammad Ridwan Ristyawan Mustaruddin Mustaruddin Naswa Riantika Nur Afifah Nurul Komari Priskila Panjaitan Rahmadania Ramadania Shifa Aprilliani Syahbandi Terensia Tobing Titik Rosnani Titik Rosnani Uray Ndaru Mustika Veneranda Baby Viola Tio Waldi Wendy Wenny Pebrianti Yuliyanti Fahruna