Alya Rahma Putri, Ahmad Fawaiq Suwanan

Determinants of Generation Z's Intention to Pay Zakat Digitally

Introduction

Determinants of generation z's intention to pay zakat digitally. Discover factors influencing Gen Z's digital zakat payment intention in Malang. This research reveals Zakat Literacy, Social Influence, Trust, and Convenience significantly drive digital zakat adoption.

Abstract

This research analyzes the factors that influence Generation Z's intention to give zakat through digital platforms by integrating the variables of Zakat Literacy, Social Influence, Trust and Convenience into the development of TPB theory. Data for this study was collected by distributing questionnaires online through Google Form to 196 respondents in Malang City. Respondents were selected by applying purposive sampling technique. Furthermore, the collected data were processed by applying the Partial Least Squares Structural Equation Modeling (PLS-SEM) method using the SmartPLS version 4.1.0.9 application.. The data were then analysed using Partial Least Squares Structural Modeling (PLS SEM) method with the help of SmartPLS Ver 4.1.0.9 software. Based on statistical analysis, Zakat Literacy, Social Influence, Trust, and Convenience are proven to have a positive and significant impact on Generation Z's interest in giving zakat through digital platforms. The implications of these findings emphasise the importance for digital platform providers to improve the development of user friendly features and reduce barriers that may be faced by the public, especially generation Z in Malang City, when using the platform to do zakat. In addition, digital platform providers also need to focus on efforts to build and maintain public trust through transparency, security, and good customer service so that people feel comfortable and trust to use digital platforms. Attention is also needed on marketing strategies and digital campaigns involving influencers, scholars, or social communities.

Review

This study addresses a highly pertinent and contemporary issue: the determinants influencing Generation Z's intention to pay zakat digitally. Given the increasing digitalization of financial transactions and the unique characteristics of Gen Z as digital natives, understanding their motivations for fulfilling religious obligations through online platforms is crucial. The research appropriately extends the Theory of Planned Behavior by integrating key variables such as Zakat Literacy, Social Influence, Trust, and Convenience, thereby offering a more comprehensive theoretical lens. The methodological approach, utilizing online questionnaires with 196 Gen Z respondents from Malang City and analyzed through PLS-SEM, appears robust for exploring these relationships in an emerging context. The findings of the study provide valuable insights, clearly demonstrating that Zakat Literacy, Social Influence, Trust, and Convenience all exert a positive and significant impact on Gen Z's digital zakat payment intentions. This confirmation of the integrated model's explanatory power is a key strength. The practical implications derived from these findings are particularly well-articulated, offering concrete actionable recommendations for digital platform providers. These include the necessity of developing user-friendly features, ensuring transparency and security to foster trust, providing excellent customer service, and strategically leveraging influencers and community leaders in marketing campaigns. Such recommendations are directly applicable for enhancing digital zakat adoption and optimizing platform effectiveness. While the study offers significant contributions, a few considerations for future research could further strengthen this line of inquiry. The reliance on purposive sampling within a single city (Malang) might limit the generalizability of the findings to broader populations or other geographical contexts. Future studies could benefit from more diverse sampling strategies and replication across different regions or countries to validate these determinants. Additionally, while intention is a strong predictor, investigating the actual digital zakat payment behavior, perhaps through longitudinal studies or real transaction data, could provide a deeper understanding. Exploring the interplay between the integrated variables and the core TPB constructs in greater detail would also enhance the theoretical contribution. Overall, this research provides an excellent foundation for understanding digital religious philanthropy among young generations.

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