DRIVERS INFLUENCING THE USAGE INTENTION TOWARDS ONLINE ZAKAT PAYMENT SYSTEM: EVIDENCE FROM MALAYSIA
Keywords:
Online Zakat Payment Service, Perceived Risk, Trust In Zakat Institution, Zakat Literacy, Prior Experience
Abstract
A digital zakat system significantly enhances zakat collection by streamlining the process, making it more accessible, transparent, and efficient for both zakat payers and zakat institutions. Through digital platforms, individuals can easily calculate, pay, and track their zakat contributions in real time. However, it faces challenges as some zakat payers remain reluctant to use online platforms due to concerns about security and the traditional nature of their giving. Thus, this study investigates how socio-economic determinants, perceived risk, trust in zakat institutions, zakat literacy, and prior experience affect zakat payers' intention to use online zakat payment systems. Data were gathered via an online survey of 288 zakat payers in Malaysia, with cluster sampling used to select participants from government and private sectors across Perak, Selangor, and Kelantan. SmartPLS was used for the analysis. The results indicate that perceived risk has a significant and negative impact on the intention to use online zakat payment services, highlighting the importance of addressing concerns related to risk perception in promoting their adoption. On the other hand, trust in zakat institutions, zakat literacy, and prior experience exhibited positive and significant relationships with zakat payers' intention to utilize online zakat payment services. The findings suggest that institutions mitigate perceived risk, strengthen institutional trust, increase zakat literacy, and leverage users' prior experience to enhance online zakat system adoption. This study contributes significantly to understanding the factors influencing the adoption of online zakat payment services to inform strategies to boost the utilization of online zakat payment services in similar developing country settings.
JEL Classification Codes: M430, G32.
References
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Becker, A. (2018). An experimental study of voluntary nonprofit accountability and effects on public trust, reputation, perceived quality, and donation behavior. Nonprofit and Voluntary Sector Quarterly, 47(3), 562–582. https://doi.org/10.1177/0899764018756200
Beldad, A., Snip, B., & van Hoof, J. (2014). Generosity the second time around: Determinants of individuals’ repeat donation intention. Nonprofit and Voluntary Sector Quarterly, 43(1), 144-163. https://doi.org/10.1177/0899764012457466
Bilgin, Y., & Kethüda, Ö. (2022). Charity social media marketing and its influence on charity brand image, Brand Trust, and donation intention. VOLUNTAS: International Journal of Voluntary and Nonprofit Organizations, 33(5), 1091-1102. https://doi.org/10.1007/s11266-021-00426-7
Bilo, C., & Machado, A. C. (2020). The role of Zakat in the provision of social protection: A comparison between Jordan and Sudan. International Journal of Sociology and Social Policy, 40(3/4), 236-248. https://doi.org/10.1108/IJSSP-11-2018-0218
Bin-Nashwan, S. A. (2022). Toward diffusion of e-Zakat initiatives amid the COVID-19 crisis and beyond. foresight, 24(2), 141-158. https://doi.org/10.1108/FS-08-2020-0082
Cahyani, U. E., Sari, D. P., & Afandi, A. (2022). Determinant of Behavioral Intention to Use Digital Zakat Payment: The Moderating Role of Knowledge of Zakat. ZISWAF: Jurnal Zakat Dan Wakaf, 9(1), 1-16. http://dx.doi.org/10.21043/ziswaf.v9i1.13330
Cohen, J. (1988). Statistical Power Analysis for the Behavioral Sciences (2nd ed.). Hillsdale, NJ: Lawrence Erlbaum Associates, Publishers.
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Chiu, W., & Cho, H. (2021). The role of technology readiness in individuals' intention to use health and fitness applications: a comparison between users and non-users. Asia Pacific Journal of Marketing and Logistics, 33(3), 807-825. https://doi.org/10.1108/APJML-09-2019-0534
Chua, S. L., Chen, D. T., & Wong, A. F. (1999). Computer anxiety and its correlates: a meta-analysis. Computers in human behavior, 15(5), 609–623. https://doi.org/10.1016/S0747-5632(99)00039-4
Eagly, A. H., & Chaiken, S. (2007). The advantages of an inclusive definition of attitude. Social cognition, 25(5), 582-602. https://doi.org/10.1521/soco.2007.25.5.582
Faqih, K. M. (2022). Internet shopping in the Covid-19 era: Investigating the role of perceived risk, anxiety, gender, culture, and trust in the consumers’ purchasing behavior from a developing country context. Technology in Society, 70, 101992. https://doi.org/10.1016/j.techsoc.2022.101992
Farhatunnada, I., & Wibowo, M. G. (2022). Determinants Of Muslim Intention In Yogyakarta To Pay ZIS Online During The Covid-19 Pandemic. AZKA International Journal of Zakat & Social Finance, 182-207. https://doi.org/10.22219/azka.v4i2.19483
Fazio, R. H., & Zanna, M. P. (1978). On the predictive validity of attitudes: The roles of direct experience and confidence 1. Journal of Personality, 46(2), 228-243. https://doi.org/10.1111/j.1467-6494.1978.tb00177.x
Ferdana, A. D., Ridlwan, A. A., Canggih, C., & Fikriyah, K. (2022). Z Generation's Intention to Use Zakat Digital Payment: The Mediating Effect of Trust. ZISWAF: Jurnal Zakat Dan Wakaf, 9(2), 171-189. http://dx.doi.org/10.21043/ziswaf.v9i2.18466
Hair Jr, J. F., Matthews, L. M., Matthews, R. L., & Sarstedt, M. (2017). PLS-SEM or CB-SEM: updated guidelines on which method to use. International Journal of Multivariate Data Analysis, 1(2), 107–123. https://doi.org/10.1504/IJMDA.2017.087624
Kasri, R. A., & Sosianti, M. W. (2023). Determinants of the intention to pay Zakat online: The case of Indonesia. Journal of Islamic Monetary Economics and Finance, 9(2), 275-294. https://doi.org/10.21098/jimf.v9i2.1664
Kasri, R. A., & Yuniar, A. M. (2021). Determinants of digital zakat payments: lessons from Indonesian experience. Journal of Islamic Accounting and Business Research, 12(3), 362-379. https://doi.org/10.1108/JIABR-08-2020-0258
Kwon, W. S., & Noh, M. (2010). The influence of prior experience and age on mature consumers' perceptions and intentions of internet apparel shopping. Journal of Fashion Marketing and Management: An International Journal, 14(3), 335–349. https://doi.org/10.1108/13612021011061825
Lau, R. S., & Cobb, A. T. (2010). Understanding the connections between relationship conflict and performance: The intervening roles of trust and exchange. Journal of Organizational Behavior, 31(6), 898–917. https://doi.org/10.1002/job.674
Li, W., Mao, Y., & Liu, C. (2022). Understanding the intention to donate online in the Chinese context: The influence of norms and trust. Cyberpsychology: Journal of Psychosocial Research on Cyberspace, 16(1), 7. https://doi.org/10.5817/CP2022-1-7
Muflih, M. (2023). Muzakki’s adoption of mobile service: integrating the roles of technology acceptance model (TAM), perceived trust and religiosity. Journal of Islamic Accounting and Business Research, 14(1), 21–33. https://doi.org/10.1108/JIABR-09-2021-0273
Nuryahya, E., Mahri, A. J. W., Nurasyiah, A., & Adiresuty, F. (2022). Technology acceptance of zakat payment platform: An analysis of modified of unified theory of acceptance and use of technology. Al-Uqud: Journal of Islamic Economics, 6(1), 142-159. https://doi.org/10.26740/aluqud.v6n1.p142-159
Oktavendi, T. W., & Mu'ammal, I. (2022). Acceptance model for predicting adoption of Zakat, Infaq, and Sodaqoh (ZIS) digital payments in Generation Z. Journal of Islamic Accounting and Business Research, 13(4), 684-700. https://doi.org/10.1108/JIABR-09-2021-0267
Ouellette, J. A., & Wood, W. (1998). Habit and intention in everyday life: The multiple processes by which past behavior predicts future behavior. Psychological Bulletin, 124(1), 54-74. https://doi.org/10.1037/0033-2909.124.1.54
Paizin, M. N., & Sarif, S. (2021). Strategi Pengurusan Kutipan Zakat Semasa: Optimumkah Kutipan Zakat Di Malaysia? The Current Zakat Collection Strategy: Does Zakat Collection in Malaysia Optimum?. Sains Insani, 6(3). https://doi.org/10.33102/sainsinsani.vol6no3.218
Park, J., Amendah, E., Lee, Y., & Hyun, H. (2019). M‐payment service: Interplay of perceived risk, benefit, and trust in service adoption. Human Factors and Ergonomics in Manufacturing & Service Industries, 29(1), 31-43. https://doi.org/10.1002/hfm.20750
Prakash, A., & Gugerty, M. K. (2010). Trust but verify? Voluntary regulation programs in the nonprofit sector. Regulation & Governance, 4(1), 22–47. https://doi.org/10.1111/j.1748-5991.2010.01075.x
Safeena, R., Date, H., Kammani, A., & Hundewale, N. (2012). Technology adoption and Indian consumers: study on mobile banking. International Journal of Computer Theory and Engineering, 4(6), 1020-1024.
Salleh, W. N. A. W. M., Rasid, S. Z. A., & Basiruddin, R. (2022). Optimising Digital Technology in Managing Zakat. International Journal of Academic Research in Business and Social Sciences, 12(8), 726-733.
Sargeant, A., & Lee, S. (2004). Trust and relationship commitment in the United Kingdom voluntary sector: Determinants of donor behavior. Psychology & Marketing, 21(8), 613–635. https://doi.org/10.1002/mar.20021
Wang, C., Wang, W., & Wu, H. (2020). Association between medical students’ prior experiences and perceptions of formal online education developed in response to COVID-19: a cross-sectional study in China. BMJ open, 10(10), 1-10. https://doi.org/10.1136/bmjopen-2020-041886
Wu, J., Liu, L., & Huang, L. (2017). Consumer acceptance of mobile payment across time: Antecedents and moderating role of diffusion stages. Industrial Management & Data Systems, 117(8), 1761-1776. https://doi.org/10.1108/IMDS-08-2016-0312
Xie, J., Ye, L., Huang, W., & Ye, M. (2021). Understanding FinTech platform adoption: impacts of perceived value and perceived risk. Journal of Theoretical and Applied Electronic Commerce Research, 16(5), 1893-1911. https://doi.org/10.3390/jtaer16050106
Yusfiarto, R., Setiawan, A., & Nugraha, S. S. (2020). Literacy and intention to pay Zakat. International Journal of Zakat, 5(1), 15-27. https://doi.org/10.37706/ijaz.v5i1.221
Zauro, N. A., Zauro, N. A., Saad, R. A. J., & Sawandi, N. (2020). Enhancing socio-economic justice and financial inclusion in Nigeria: The role of Zakat, Sadaqah and Qardhul Hassan. Journal of Islamic Accounting and Business Research, 11(3), 555-572. https://doi.org/10.1108/JIABR-01-2020-0010
Zulfikri, Z., Kassim, S. H., & Hawariyuni, W. (2021). Proposing blockchain technology based zakat management model to enhance muzakki’s trust in zakat agencies: A conceptual study. Journal of Accounting Research, Organization and Economics, 4(2), 153-163. https://doi.org/10.24815/jaroe.v4i2.20467
Ahmad, S. M., & Mamun, A. A. (2020). Opportunities of Islamic FinTech: The Case of Bangladesh and Turkey. CenRaPS Journal of Social Sciences, 2(3), 412–426. https://doi.org/10.46291/cenraps.v2i3.39
Ajzen, I., & Fishbein, M. (2000). Attitudes and the attitude-behavior relation: Reasoned and automatic processes. European review of social psychology, 11(1), 1–33. https://doi.org/10.1080/14792779943000116
Akturan, U., & Tezcan, N. (2012). Mobile banking adoption of the youth market: Perceptions and intentions. Marketing Intelligence & Planning, 30(4), 444-459. https://doi.org/10.1108/02634501211231928
Ali, H., Abdullah, R., & Zaini, M. Z. (2019). Fintech and its potential impact on Islamic banking and finance industry: A case study of Brunei Darussalam and Malaysia. International Journal of Islamic Economics and Finance (IJIEF), 2(1), 73-108. https://doi.org/10.18196/ijief.2116
Ali, S., Khalid, N., Javed, H. M. U., & Islam, D. M. Z. (2020). Consumer adoption of online food delivery ordering (OFDO) services in Pakistan: The impact of the COVID-19 pandemic situation. Journal of Open Innovation: Technology, Market, and Complexity, 7(1), 10. https://doi.org/10.3390/joitmc7010010
Antara, P. M., Musa, R., & Hassan, F. (2016). Bridging Islamic financial literacy and halal literacy: the way forward in halal ecosystem. Procedia Economics and Finance, 37, 196-202. https://doi.org/10.1016/S2212-5671(16)30113-7
Bauer, R. A. (1967). Consumer behavior as risk taking. Marketing: Critical perspectives on business and management, 593, 13–21.
Becker, A. (2018). An experimental study of voluntary nonprofit accountability and effects on public trust, reputation, perceived quality, and donation behavior. Nonprofit and Voluntary Sector Quarterly, 47(3), 562–582. https://doi.org/10.1177/0899764018756200
Beldad, A., Snip, B., & van Hoof, J. (2014). Generosity the second time around: Determinants of individuals’ repeat donation intention. Nonprofit and Voluntary Sector Quarterly, 43(1), 144-163. https://doi.org/10.1177/0899764012457466
Bilgin, Y., & Kethüda, Ö. (2022). Charity social media marketing and its influence on charity brand image, Brand Trust, and donation intention. VOLUNTAS: International Journal of Voluntary and Nonprofit Organizations, 33(5), 1091-1102. https://doi.org/10.1007/s11266-021-00426-7
Bilo, C., & Machado, A. C. (2020). The role of Zakat in the provision of social protection: A comparison between Jordan and Sudan. International Journal of Sociology and Social Policy, 40(3/4), 236-248. https://doi.org/10.1108/IJSSP-11-2018-0218
Bin-Nashwan, S. A. (2022). Toward diffusion of e-Zakat initiatives amid the COVID-19 crisis and beyond. foresight, 24(2), 141-158. https://doi.org/10.1108/FS-08-2020-0082
Cahyani, U. E., Sari, D. P., & Afandi, A. (2022). Determinant of Behavioral Intention to Use Digital Zakat Payment: The Moderating Role of Knowledge of Zakat. ZISWAF: Jurnal Zakat Dan Wakaf, 9(1), 1-16. http://dx.doi.org/10.21043/ziswaf.v9i1.13330
Cohen, J. (1988). Statistical Power Analysis for the Behavioral Sciences (2nd ed.). Hillsdale, NJ: Lawrence Erlbaum Associates, Publishers.
Chen, Y., Dai, R., Yao, J., & Li, Y. (2019). Donate time or money? The determinants of donation intention in online crowdfunding. Sustainability, 11(16), 4269. https://doi.org/10.3390/su11164269
Chiu, W., & Cho, H. (2021). The role of technology readiness in individuals' intention to use health and fitness applications: a comparison between users and non-users. Asia Pacific Journal of Marketing and Logistics, 33(3), 807-825. https://doi.org/10.1108/APJML-09-2019-0534
Chua, S. L., Chen, D. T., & Wong, A. F. (1999). Computer anxiety and its correlates: a meta-analysis. Computers in human behavior, 15(5), 609–623. https://doi.org/10.1016/S0747-5632(99)00039-4
Eagly, A. H., & Chaiken, S. (2007). The advantages of an inclusive definition of attitude. Social cognition, 25(5), 582-602. https://doi.org/10.1521/soco.2007.25.5.582
Faqih, K. M. (2022). Internet shopping in the Covid-19 era: Investigating the role of perceived risk, anxiety, gender, culture, and trust in the consumers’ purchasing behavior from a developing country context. Technology in Society, 70, 101992. https://doi.org/10.1016/j.techsoc.2022.101992
Farhatunnada, I., & Wibowo, M. G. (2022). Determinants Of Muslim Intention In Yogyakarta To Pay ZIS Online During The Covid-19 Pandemic. AZKA International Journal of Zakat & Social Finance, 182-207. https://doi.org/10.22219/azka.v4i2.19483
Fazio, R. H., & Zanna, M. P. (1978). On the predictive validity of attitudes: The roles of direct experience and confidence 1. Journal of Personality, 46(2), 228-243. https://doi.org/10.1111/j.1467-6494.1978.tb00177.x
Ferdana, A. D., Ridlwan, A. A., Canggih, C., & Fikriyah, K. (2022). Z Generation's Intention to Use Zakat Digital Payment: The Mediating Effect of Trust. ZISWAF: Jurnal Zakat Dan Wakaf, 9(2), 171-189. http://dx.doi.org/10.21043/ziswaf.v9i2.18466
Hair Jr, J. F., Matthews, L. M., Matthews, R. L., & Sarstedt, M. (2017). PLS-SEM or CB-SEM: updated guidelines on which method to use. International Journal of Multivariate Data Analysis, 1(2), 107–123. https://doi.org/10.1504/IJMDA.2017.087624
Kasri, R. A., & Sosianti, M. W. (2023). Determinants of the intention to pay Zakat online: The case of Indonesia. Journal of Islamic Monetary Economics and Finance, 9(2), 275-294. https://doi.org/10.21098/jimf.v9i2.1664
Kasri, R. A., & Yuniar, A. M. (2021). Determinants of digital zakat payments: lessons from Indonesian experience. Journal of Islamic Accounting and Business Research, 12(3), 362-379. https://doi.org/10.1108/JIABR-08-2020-0258
Kwon, W. S., & Noh, M. (2010). The influence of prior experience and age on mature consumers' perceptions and intentions of internet apparel shopping. Journal of Fashion Marketing and Management: An International Journal, 14(3), 335–349. https://doi.org/10.1108/13612021011061825
Lau, R. S., & Cobb, A. T. (2010). Understanding the connections between relationship conflict and performance: The intervening roles of trust and exchange. Journal of Organizational Behavior, 31(6), 898–917. https://doi.org/10.1002/job.674
Li, W., Mao, Y., & Liu, C. (2022). Understanding the intention to donate online in the Chinese context: The influence of norms and trust. Cyberpsychology: Journal of Psychosocial Research on Cyberspace, 16(1), 7. https://doi.org/10.5817/CP2022-1-7
Muflih, M. (2023). Muzakki’s adoption of mobile service: integrating the roles of technology acceptance model (TAM), perceived trust and religiosity. Journal of Islamic Accounting and Business Research, 14(1), 21–33. https://doi.org/10.1108/JIABR-09-2021-0273
Nuryahya, E., Mahri, A. J. W., Nurasyiah, A., & Adiresuty, F. (2022). Technology acceptance of zakat payment platform: An analysis of modified of unified theory of acceptance and use of technology. Al-Uqud: Journal of Islamic Economics, 6(1), 142-159. https://doi.org/10.26740/aluqud.v6n1.p142-159
Oktavendi, T. W., & Mu'ammal, I. (2022). Acceptance model for predicting adoption of Zakat, Infaq, and Sodaqoh (ZIS) digital payments in Generation Z. Journal of Islamic Accounting and Business Research, 13(4), 684-700. https://doi.org/10.1108/JIABR-09-2021-0267
Ouellette, J. A., & Wood, W. (1998). Habit and intention in everyday life: The multiple processes by which past behavior predicts future behavior. Psychological Bulletin, 124(1), 54-74. https://doi.org/10.1037/0033-2909.124.1.54
Paizin, M. N., & Sarif, S. (2021). Strategi Pengurusan Kutipan Zakat Semasa: Optimumkah Kutipan Zakat Di Malaysia? The Current Zakat Collection Strategy: Does Zakat Collection in Malaysia Optimum?. Sains Insani, 6(3). https://doi.org/10.33102/sainsinsani.vol6no3.218
Park, J., Amendah, E., Lee, Y., & Hyun, H. (2019). M‐payment service: Interplay of perceived risk, benefit, and trust in service adoption. Human Factors and Ergonomics in Manufacturing & Service Industries, 29(1), 31-43. https://doi.org/10.1002/hfm.20750
Prakash, A., & Gugerty, M. K. (2010). Trust but verify? Voluntary regulation programs in the nonprofit sector. Regulation & Governance, 4(1), 22–47. https://doi.org/10.1111/j.1748-5991.2010.01075.x
Safeena, R., Date, H., Kammani, A., & Hundewale, N. (2012). Technology adoption and Indian consumers: study on mobile banking. International Journal of Computer Theory and Engineering, 4(6), 1020-1024.
Salleh, W. N. A. W. M., Rasid, S. Z. A., & Basiruddin, R. (2022). Optimising Digital Technology in Managing Zakat. International Journal of Academic Research in Business and Social Sciences, 12(8), 726-733.
Sargeant, A., & Lee, S. (2004). Trust and relationship commitment in the United Kingdom voluntary sector: Determinants of donor behavior. Psychology & Marketing, 21(8), 613–635. https://doi.org/10.1002/mar.20021
Wang, C., Wang, W., & Wu, H. (2020). Association between medical students’ prior experiences and perceptions of formal online education developed in response to COVID-19: a cross-sectional study in China. BMJ open, 10(10), 1-10. https://doi.org/10.1136/bmjopen-2020-041886
Wu, J., Liu, L., & Huang, L. (2017). Consumer acceptance of mobile payment across time: Antecedents and moderating role of diffusion stages. Industrial Management & Data Systems, 117(8), 1761-1776. https://doi.org/10.1108/IMDS-08-2016-0312
Xie, J., Ye, L., Huang, W., & Ye, M. (2021). Understanding FinTech platform adoption: impacts of perceived value and perceived risk. Journal of Theoretical and Applied Electronic Commerce Research, 16(5), 1893-1911. https://doi.org/10.3390/jtaer16050106
Yusfiarto, R., Setiawan, A., & Nugraha, S. S. (2020). Literacy and intention to pay Zakat. International Journal of Zakat, 5(1), 15-27. https://doi.org/10.37706/ijaz.v5i1.221
Zauro, N. A., Zauro, N. A., Saad, R. A. J., & Sawandi, N. (2020). Enhancing socio-economic justice and financial inclusion in Nigeria: The role of Zakat, Sadaqah and Qardhul Hassan. Journal of Islamic Accounting and Business Research, 11(3), 555-572. https://doi.org/10.1108/JIABR-01-2020-0010
Zulfikri, Z., Kassim, S. H., & Hawariyuni, W. (2021). Proposing blockchain technology based zakat management model to enhance muzakki’s trust in zakat agencies: A conceptual study. Journal of Accounting Research, Organization and Economics, 4(2), 153-163. https://doi.org/10.24815/jaroe.v4i2.20467
Published
2025-02-03
How to Cite
Rahman, R. A., Sari, E. N., Radzi, S. H. M., Saragih, F., & Zakaria, N. B. (2025). DRIVERS INFLUENCING THE USAGE INTENTION TOWARDS ONLINE ZAKAT PAYMENT SYSTEM: EVIDENCE FROM MALAYSIA. Bangladesh Journal of Multidisciplinary Scientific Research, 10(1), 1-10. https://doi.org/10.46281/bjmsr.v10i1.2280
Section
Research Paper/Theoretical Paper/Review Paper/Short Communication Paper
Copyright (c) 2025 Rahayu Abdul Rahman, Eka Nurmala Sari, Siti Hirdayu Mohd Radzi, Fitriani Saragih, Nor Balkish Zakaria
This work is licensed under a Creative Commons Attribution 4.0 International License.
