The findings show that perceived usefulness, perceived ease of use, religiosity, attitude toward behavior, and perceived behavioral control have positive and significant effects on the intention to use Islamic digital wallets. In practical terms, young Muslim users are more likely to adopt Islamic digital wallets when they perceive the service as useful, easy to operate, aligned with their religious values, safe, and within their ability to control.

Among all variables, perceived behavioral control emerged as the strongest determinant. This indicates that users’ confidence, knowledge of the application, access to networks, and ability to carry out transactions are crucial in encouraging Islamic digital wallet adoption. Interestingly, subjective norm was found to have a significant negative effect. This suggests that encouragement from family, friends, or the surrounding social environment does not necessarily increase Generation Z’s intention to use Islamic digital wallets. Instead, their decisions appear to be shaped more by personal evaluation, direct experience, and perceived benefits.

The study concludes that Islamic digital wallet acceptance cannot be understood solely as a matter of technological adoption. It is a multidimensional phenomenon that combines digital service quality, user behavior, and faith-based financial values. These findings provide important implications for Islamic fintech providers. To attract young Muslim users, providers should not rely only on Islamic branding. They must also strengthen usability, transaction security, digital literacy, transparent Sharia compliance, and features that match the needs of urban youth. The study is expected to contribute to the development of a more inclusive, competitive, and Sharia-compliant digital financial ecosystem in Indonesia.

Author: Dr. Hanifiyah Yuliatul Hijriah, S.EI., M.SEI.

More information about this article can be found in Akademika: Jurnal Pemikiran Islam Vol. 31, No. 1 January-June 2026, which can be accessed at the following link:

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This guide will help the UNIVERSITAS AIRLANGGA academic community use the UNIVERSITAS AIRLANGGA logo consistently and professionally in their day-to-day activities. It is intended to guide all members of the UNIVERSITAS AIRLANGGA academic community in contributing to the development of the university’s brand and maintaining UNIVERSITAS AIRLANGGA’s reputation as one of the world’s leading universities.

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