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All Journal Afkaruna: Indonesian Interdisciplinary Journal of Islamic Studies
Mukhamad Yazid Afandi
Universitas Islam Negeri Sunan Kalijaga Yogyakarta
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Analyzing the Impact of Digital Transformation in Islamic Philanthropy using UTAUT Model Mukhamad Yazid Afandi
Afkaruna: Indonesian Interdisciplinary Journal of Islamic Studies Vol 19, No 2: December 2023
Publisher : Fakultas Agama Islam Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/afkaruna.v19i2.16086

Abstract

This study aims to assess individual habits in adopting digital payment technologies in Islamic philanthropic institutions. This research uses the UTAUT model, which explains user behavior in relation to information technology adoption. The population of this study was people who have used digital payments in philanthropic institutions, e.g., M-banking, QRIS, e-wallet, e-money, crowdfunding, marketplace, etc. A sample of 250 respondents was obtained using a random sampling technique. The UTAUT model was performed using structural equation modeling (SEM) via SmartPLS. The results showed that all constructs had a significant positive impact, except for the effect of facilitating conditions on usage behavior. This study shows that the digitization of payment transactions is still aimed at the segment of well-informed technology users. Policyholders, therefore, need to become more involved in the digital transformation campaign, which targets all potential segments, e.g., the middle-aged working class. Due to this segmentation, they have a high awareness of donations in addition to the income opportunities.
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