Indonesian Journal of Advanced Research (IJAR)
Vol. 4 No. 7 (2025): July 2025

Spiritual Quotient as an Extending the TAM Model: Gen Z Muslim’s Intention to Use Islamic E-Wallet

Rahmawaty, Anita (Unknown)
Taufikin, Taufikin (Unknown)
Astutik, Puji (Unknown)

Article Info

Publish Date
29 Jul 2025

Abstract

This study explores the role of Spiritual Quotient (SQ) in adopting Islamic e-wallets using the Technology Acceptance Model (TAM) approach. The data for this research were obtained from 130 Gen Z Muslim users of Islamic e-wallets in Central Java, Indonesia. The research data analysis employed Partial Least Squares Structural Equation Modeling (PLS-SEM). The findings of this study reveal that spiritual quotient and perceived benefit have a positive and significant influence on the intention to use Islamic e-wallets. However, perceived usefulness and perceived ease of use do not significantly affect the intention to use. Through this research, Islamic e-wallet service providers can further enhance system performance, effectiveness, and ease of use to build higher service credibility.

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Journal Info
Indonesian Journal of Advanced Research (IJAR)
Website

Abbrev

ijar

Publisher

PT FORMOSA CENDEKIA GLOBAL

Subject

Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Education Languange, Linguistic, Communication & Media

Description

Indonesian Journal of Advanced Research (IJAR) is an open-access and peer-reviewed journal, published by Formosa Publisher, which is mainly intended for the dissemination of research results by researchers, academics, and practitioners in many fields of science and technology. IJAR publishes ...