Harnessing Fintech for ZIS Payment in Indonesia: A Millennial Perspective

Dia Purnama Sari, Ibi Satibi, Abdul Haris, Abdul Qoyum

Abstract


Indonesia, a nation with a population of over 70 million millennials, presents immense potential for the fintech sector to transform payments related to Zakat, Infaq, and Sadaqah (ZIS). This study investigates the factors influencing millennial adoption of digital platforms for ZIS payments in Java, Indonesia. Building upon the Unified Theory of Acceptance and Use of Technology (UTAUT-2), a novel model incorporating religiosity as a predictor of fintech-based ZIS payment intent is proposed. Utilizing a quantitative approach, primary data was collected from 165 Javanese millennials via a geographically diverse survey. Subsequent analysis, employing the Partial Least Square-Structural Equation Model (PLS-SEM) with WarpPLS Version 8.0 software, revealed significant positive influences on ZIS payment intent through fintech, stemming from performance expectancy, social influence, facilitating conditions, and established habits. Notably, religiosity emerged as a potent determinant. Conversely, effort expectancy, hedonic motivation, and price value exhibited no statistically significant impact. This research contributes significantly to the development of consumer behavior models by validating the determinants of fintech-based ZIS payment intentions. Furthermore, it underscores the crucial role of digital marketing in ZIS endeavors, advocating for the strategic utilization of social media platforms to foster millennial engagement. The findings pave the way for a flourishing digital ecosystem of ZIS giving, empowering a new generation of Indonesian Muslims to fulfill their religious obligations through convenient and impactful means.

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ABSTRAK – Pemanfaatan Fintech Untuk Pembayaran ZIS di Indonesia: Perspektif Milenial. Indonesia, dengan jumlah milenial lebih dari 70 juta orang, mempunyai potensi yang sangat besar bagi pengadopsian financial technology (fintech) ke dalam sistem pembayaran Zakat, Infak, dan Sedekah (ZIS). Penelitian ini bertujuan untuk menginvestigasi faktor-faktor yang mempengaruhi milenial, khususnya di Pulau Jawa, dalam memanfaatkan fintech untuk membayar zakat, infak, dan sedekah (ZIS). Penelitian ini memodifikasi Unified Theory of Acceptance and Use of Technology (UTAUT-2) dengan menambahkan variabel religiositas pada model sebagai penentu niat berperilaku dalam membayar ZIS melalui platform berbasis fintech. Penelitian ini menggunakan pendekatan kuantitatif dimana data primer diperoleh dari 165 kuesioner yang didistribusikan kepada milenial yang berdomisili di seluruh provinsi dalam Pulau Jawa. Data dianalisis dengan Partial Least Square-Structural Equation Model (PLS-SEM) dengan perangkat lunas WarpPLS Versi 8.0. Hasil penelitian ini menunjukkan bahwa variabel ekspektasi kinerja, pengaruh sosial, kondisi yang memfasilitasi, dan kebiasaan berpengaruh positif dan signifikan terhadap niat membayar ZIS melalui fintech. Secara khusus, religiositas muncul sebagai penentu yang kuat. Sebaliknya, ekspektasi usaha, motivasi hedonik, dan nilai harga tidak menunjukkan dampak yang signifikan secara statistik. Studi ini berimplikasi pada pengembangan model perilaku konsumen dan memperluas validitas determinan niat perilaku membayar ZIS melalui fintech. Selain itu, penelitian ini menunjukkan pentingnya paradigma pemasaran digital untuk ZIS dengan mengoptimalkan berbagai platform media sosial guna mendorong keterlibatan kaum milenial. Hasil ini membuka jalan bagi perkembangan ekosistem digital untuk pembayaran ZIS dan memfasilitasi generasi Muslim milenial Indonesia untuk memenuhi kewajiban agama mereka melalui cara yang lebih nyaman dan bermakna.


Keywords


Fintech, ZIS, Millennials, Indonesia, UTAUT-2, Religiosity, PLS-SEM, Digital Philanthropy

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DOI: http://dx.doi.org/10.22373/share.v12i2.15792

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