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All Journal JURNAL IQTISAD: Reconstruction of Justice and Welfare for Indonesia Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Mozaic : Islam Nusantara Indonesian Journal of Islamic Economics and Business Mizania : Jurnal Ekonomi dan Akuntansi Journal of Accounting and Finance Journal of Aswaja and Islamic Economics
Asiroch Yulia Agustina
Universitas Nahdlatul Ulama Indonesia
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences

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ANALYSIS OF FACTORS INFLUENCING GEN Z’s INTEREST IN CENTRAL JAKARTA IN USING LINK AJA SYARIAH WITH THE TAM APPROACH: ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT GENERASI Z DI JAKARTA PUSAT DALAM MENGGUNAKAN LINKAJA SYARIAH DENGAN PENDEKATAN TAM Alfi Syahrin; Nur Khayin Muhdlor; Masfiatun; Asiroch Yulia Agustina
JASIE Vol. 4 No. 02 (2025): DESEMBER
Publisher : Universitas Wahid Hasyim Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31942/jse.v4i02.15434

Abstract

The rapid growth of digital financial technology in Indonesia has accelerated the adoption of electronic wallets, including Sharia-compliant platforms such as LinkAja Syariah. Despite increasing interest in Islamic fintech, limited empirical studies examine how technological acceptance factors interact with religiously grounded brand legitimacy in influencing Generation Z’s adoption behavior. This study aims to analyze the determinants of Generation Z’s intention to use LinkAja Syariah in Central Jakarta by employing an extended Technology Acceptance Model (TAM) that integrates service features, perceived ease of use, perceived security and privacy, perceived usefulness, and brand image. A quantitative survey was conducted among 100 Generation Z respondents, and the data were analyzed using multiple linear regression to test both simultaneous and partial effects. The findings reveal that collectively all independent variables significantly influence intention to use. Partially, perceived ease of use, perceived usefulness, and brand image demonstrate significant positive effects, while service features and security show no significant direct effect. Perceived usefulness emerges as the most dominant predictor. The study contributes to the extension of TAM within the context of Sharia fintech by incorporating brand image and security dimensions and provides practical implications for Islamic digital wallet providers to prioritize functional benefits, user-friendly design, and strong Sharia-based brand positioning to enhance adoption among digital-native users.
Co-Authors Alfi Syahrin, Alfi Awnurropiq Awnurropiq Awnurropiq, Awnurropiq Fadillah, Nurhadi Fatchurrahman, M Khairunnisa Khairunnisa Khoyriyah, Khoyriyah Larasati, Pipit Lubaba, Abu Masfiatun Nur Khayin Muhdlor Nur Khofifah Nurhusniati, Nurhusniati Saputri, Pungky Lela Yudi Yudiana