Digital Literacy and Determinants of Online Zakat Payments Lessons from Indonesia Experience with Utaut

Abstract

Objective: This study aims to determine the factors that influence the intention to use online platforms in paying zakat in Indonesia with digital literacy as moderation   Methods:This study uses an extended theory of integrated technology acceptance and use as the theoretical framework, in which digital literacy is added as a moderation to the main components of the model (i.e. performance expectations, effort expectations, facilitating conditions, and social influence). Primary data was collected through an online survey involving 320 Indonesian Muslims who had used various online channels to pay zakat and were analyzed with Smart PLS.   Results: This study found that performance expectancy, social influence, facilitating conditions have a positive effect on the intention to use online platforms to pay zakat. And digital literacy as moderation is able to moderate performance expentancy, effort expetancy, social influence, and facilitating conditions on the intention to pay zakat using online platforms. However, effort expectancy was found to be insignificant in this study.   Suggestions: Based on the findings of this study, organizations must ensure that the system is easy for people to make zakat payments online, because ease of access is the most important factor influencing the intention to pay zakat online. They must also increase the efficiency and effectiveness of the payment system, improve the quality of organizational and technical infrastructure and contribute to increasing zakat literacy together with other zakat stakeholders.