Digital Literacy and Muzaki’s Intention to pay ZIS based on Fintech: Analysis of Technology Perception Mediation with a Mixed Method Approach

Riska Agustin (UIN Sunan Ampel Surabaya)
Sirajul Arifin (UIN Sunan Ampel Surabaya)
M.Surobil Ilmi (UIN Sunan Ampel Surabaya)
Mohd Sadad bin Mahmud (Universiti Sultan Zainal Abidin)

Filantropi: Jurnal Manajemen Zakat dan Wakaf
Vol. 7 No. 2 (2026): Filantropi: Jurnal Manajemen Zakat dan Wakaf

The research investigates how digital literacy impacts the willingness of muzaki to paying Zakat, Infaq, and Sadaqah (ZIS) using financial technology, utilizing perceived technological benefits as a mediating factor. By applying a Sequential Explanatory Mixed Methods design, the results of this study indicate that digital literacy has a direct and significant influence on muzaki intention in paying ZIS using fintech. Technology perception partially mediates the relationship between digital literacy and ZIS payment intention. Digital literacy can shape positive perceptions of technology in terms of convenience, speed, and security so that the fintech system makes Muzaki more efficient and Muzaki's confidence in the technology is a driving factor in Muzaki's intention to pay ZIS. These outcomes validate the Technology Acceptance Model (TAM) and the Theory of Planned Behavior (TPB) in the realm of Islamic charitable giving. Consequently, the research advises philanthropic organizations to prioritize educational campaigns that elevate public digital skills, alongside deploying highly secure and user-friendly payment systems.