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All Journal Journal of Innovative and Creativity
Arian Denopan
Sekolah Tinggi Agama Islam Negeri Mandailing Natal
Education Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

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Analisis Technology Acceptance Model (TAM) Dalam Adopsi Digital Payment Syariah Arian Denopan
Journal of Innovative and Creativity Vol. 5 No. 3 (2025)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v5i3.4199

Abstract

The rapid development of digital technology has transformed global payment systems, including within Islamic finance. Sharia-based digital payments emerge as a solution to support efficient, secure, and Sharia-compliant transactions. This study aims to analyze the adoption of Sharia digital payment systems using the Technology Acceptance Model (TAM) framework through a qualitative approach with a library research method. The findings indicate that perceived usefulness and perceived ease of use remain relevant in shaping user attitudes and behavioral intention, but they are insufficient to fully explain Muslim behavior without considering religiosity, trust, and Sharia compliance. This study highlights that the success of Sharia digital payment adoption is determined by the integration of technological aspects, religious values, and supportive regulations. The implications extend beyond enriching academic literature, providing strategic recommendations for regulators, service providers, and society to strengthen an inclusive and sustainable Islamic digital finance ecosystem.
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