Ahlussunnah: Journal of Islamic Education
Vol. 5 No. 1 (2026): April

Digital Payment Innovation in Islamic Boarding Schools: Transforming Culture, Efficiency, and Accountability

Mahmudi, Rois (Unknown)
Khotib, Ahmad (Unknown)
Ningsih, Lely Ana Ferawati Eka (Unknown)



Article Info

Publish Date
28 Apr 2026

Abstract

This study explores digital payment innovation and its role in transforming organizational culture in Islamic boarding schools. Using a qualitative case study approach within an Indonesian Islamic boarding school context, data were collected through in-depth interviews, participant observation, and documentation. Data validity was ensured through triangulation of sources, methods, and observers. The findings reveal that digital payment innovation reshapes administrative interaction patterns, creating a trade-off between increased work efficiency and reduced intensity of direct personal interactions previously inherent in cash-based transactions. At the same time, digitalization strengthens transparency and accountability through the creation of a structured digital audit trail. The implementation of digital fund reporting systems enables real-time monitoring of transactions by students’ guardians, shifting the basis of trust from personal relationships to data-driven accountability. Furthermore, staff roles evolve from manual administrative tasks toward more strategic functions, fostering a more efficient, accountable, and data-driven organizational culture. This study contributes by proposing a technology tradition harmonization model as a strategic framework for cultural transformation in Islamic boarding schools in the digital era.

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Journal Info

Abbrev

JIE

Publisher

Subject

Religion Education Environmental Science Other

Description

The Ahlussunnah: Journal of Islamic Education is dedicated to scholars, teachers, and anyone interested in the evolution of knowledge in Islamic Education. Articles published in the Ahlussunnah: Journal of Islamic Education need to fit with the expectation of scientific rigor concerning the ...