Transforming Mosque Financial Management: Utaut Insights into E-Payment Readiness

  • Junainah Idris Universiti Islam Selangor, Malaysia
  • Nur Syaheera Atan Universiti Islam Selangor, Malaysia
  • Fadilah Mat Nor Universiti Islam Selangor, Malaysia
  • Nur Ifwah Ariffin Universiti Kebangsaan Malaysia, Malaysia

Abstract

This paper aims to summarize studies on the Unified Theory of Acceptance and Use of Technology (UTAUT) in e-payment readiness and identify the research gap. The study used a systematic literature review method. A total of 33 articles on UTAUT were published over the past five years, from 2019 to 2023. The 33 articles were the subject of the study. The data were collected by studying documentation of several previous articles through database searches such as Web of Science and Scopus. The data analysis techniques were quantitative (statistical) and qualitative (descriptive). This study indicated that 33 articles highlighted UTAUT in e-payment readiness, demonstrating that there is still a lack of studies involving e-payments at mosque institutions, especially among management groups. The findings will provide mosque authorities with a comprehensive overview of mosque financial digitalization for more relevant and efficient fund collection methods.

Author Biography

Junainah Idris, Universiti Islam Selangor, Malaysia

Ketua Unit Penyelidikan, Penerbitan dan Pengurusan Dana, Pusat Kecemerlangan Halal KUIS (HARIS)

Jabatan Ekonomi dan Pengurusan, Fakulti Pengurusan dan Muamalah UIS

References

Ali, A. H. (2024). Community-based Economic Development and Partnership Cooperation: The Economics Strategy for Prosperity of the Ummah. Samarah: Jurnal Hukum Keluarga Dan Hukum Islam, 8(2), 1280–1300. https://doi.org/10.22373/sjhk.v8i2.22925
Adel, S., & Numan, M. (2023). Online Fatwas in Pakistan using Social Networking Platforms. Ulumuna, 27(1), 201–226. https://doi.org/10.20414/ujis.v27i1.689
Ahmed, S.M., Mohamed, I., & Zakaria, M.S. (2023). Benefits and Challenges of EPS in Developing Countries. Journal of Autonomous Intelligence, 7(1), 1-10. https://doi.org/10.32629/jai.v7i1.1047.
Alam, A., Ratnasari, R.T., Mua’awanah, C., & Hamidah, R.A. (2022). Generation Z Perceptions in Paying Zakat, Infaq, and Sadaqah using Fintech: A Comparative Study of Indonesia and Malaysia. Investment Management and Financial Innovations, 19(2), 320–330. https://doi.org/10.21511/imfi.19(2).2022.28.
Al-Sabaawi, M.Y. M., Alshaher, A.A., & Alsalem, M.A. (2023). User Trends of Electronic Payment Systems Adoption in developing countries: An Empirical Analysis. Journal of Science and Technology Policy Management, 14(2), 246–270. https://doi.org/10.1108/JSTPM-11-2020-0162.
Al-Saedi, K., Al-Emran, M., Ramayah, T., & Abusham, E. (2020). Developing a General Extended UTAUT Model for M-Payment Adoption. Technology in Society, 62, 101293. https://doi.org/10.1016/j.techsoc.2020.101293.
Aytekin, A., Ozkose, H., & Ayaz, A. (2022). Unified Theory of Acceptance and use of Technology (UTAUT) in Mobile Learning Adoption: Systematic Literature Review and Bibliometric Analysis. COLLNET Journal of Scientometrics and Information Management, 16(1), 75-116. https://doi.org/10.1080/09737766.2021.2007037.
Ayu, R. F., & Kiramang, K. (2023). The Family’s Roles in the Effects of Working from Home During the Covid-19 Pandemic on Children (A Case Study of Families in Banda Aceh City). El-Usrah: Jurnal Hukum Keluarga, 6(1), 27–43. https://doi.org/10.22373/ujhk.v6i1.11959.
Ayumiati, A., Fahlevi, H., Yasir Yusuf, M., & Abdullah, S. (2024). Budget Management of the Aceh Government: An Analysis of the Maqāṣid al-sharī’ah Approach. Samarah: Jurnal Hukum Keluarga Dan Hukum Islam, 8(1), 538–555. https://doi.org/10.22373/sjhk.v8i1.19886.
Bailey, A.A., Bonifield, C.M., Arias, A., & Villegas, J. (2022). Mobile Payment Adoption in Latin America. Journal of Services Marketing, 36(8), 1058–1075. https://doi.org/10.1108/JSM-04-2021-0130.
Balakrishnan, V., & Shuib, N.L.M. (2021). Drivers and Inhibitors for Digital Payment Adoption using the Cashless Society Readiness-Adoption Model in Malaysia. Technology in Society, 65, 101554. https://doi.org/10.1016/j.techsoc.2021.101554.
Braun, V., & Clarke, V. (2006). Using Thematic Analysis in Psychology. Qualitative Research in Psychology, 3(2), 77-101. https://doi.org/10.1191/1478088706qp063oa.
Choiri, M., & Ardyansyah, F. (2024). The Politics of Waqf Practice in Pesantren Kyai Families in Bangkalan Madura, Indonesia. El-Usrah: Jurnal Hukum Keluarga, 7(1), 272–293. https://doi.org/10.22373/ujhk.v7i1.22186.
De Blanes Sebastián, M. G., Antonovica, A., & Sarmiento Guede, J. R. (2023). What are the Leading Factors for using Spanish Peer-to-Peer Mobile Payment Platform Bizum? The Applied Analysis of the UTAUT2 Model. Technological Forecasting and Social Change, 187, 122235. https://doi.org/10.1016/j.techfore.2022.122235.
Bin-Nashwan, S.A., Ismaiel, A.E.A., Muneeza, A., & Isa, M.Y. (2023). Adoption of ZakaTech in the Time of COVID-19: Cross-Country and Gender Differences. Journal of Islamic Marketing, 14(11), 2949-2979. https://doi.org/10.1108/jima-08-2021-0278.
Chawla, D., & Joshi, H. (2019). Consumer Attitude and Intention to Adopt Mobile Wallet in India – An Empirical Study. International Journal of Bank Marketing, 37(7), 1590–1618. https://doi.org/10.1108/IJBM-09-2018-0256.
Gusenbauer, M., & Haddaway, N.R. (2020). Which Academic Search Systems are Suitable for Systematic Reviews or Meta-Analyses? Evaluating Retrieval Qualities of Google Scholar, PubMed, and 26 other Resources. Research Synthesis Methods, 11(2), 181–217. https://doi.org/10.1002/jrsm.1378.
Handarkho, Y.D., & Harjoseputro, Y. (2020). Intention to Adopt Mobile Payment in Physical Stores: Individual Switching Behavior Perspective Based on Push–Pull–Mooring (PPM) Theory. Journal of Enterprise Information Management, 33(2), 285–308. https://doi.org/10.1108/JEIM-06-2019-0179.
Hasballah, K., Mubarrak, D., & Rassanjani, S. (2023). Disparity in Judge Decisions in Resolving Rad Inheritance Disputes: Case Study at the Sharia Court in Banda Aceh City. El-Usrah: Jurnal Hukum Keluarga, 6(2), 249–261. https://doi.org/10.22373/ujhk.v6i2.8612.
Imna, S., Amin, M., Ngayesah, S., Hamid, A., & Norhisam, N.H. (2022). Faktor Penentu Niat Penggunaan e-Dompet pasca Pandemik COVID-19 di Malaysia: Integrasi Model UTAUT dan MAT. Jurnal Pengurusan, 66, 109–121. https://doi.org/10.17576/pengurusan-2022-66-09.
Islam, M.S., Karia, N., Khaleel, M., Fauzi, F.B.A., Soliman, M.S.M., Khalid, J., Bhuiyah, M.Y.A., & Al Mamun, M.A. (2019). Intention to Adopt Mobile Banking in Bangladesh: An Empirical Study of Emerging Economy. International Journal of Business Information Systems, 31(1), 136–151. https://doi.org/10.1504/IJBIS.2019.099530.
Istijanto, & Handoko, I. (2022). Customers’ Continuance Usage of Mobile Payment During the COVID-19 Pandemic. Spanish Journal of Marketing - ESIC, 26(3), 345–362. https://doi.org/10.1108/SJME-02-2022-0016.
Jabatan Perkhidmatan Awam Malaysia. (2018). Garis Panduan Pengurusan Kewangan dan Surau Negeri Selangor, 1–160. https://emasjid.jais.gov.my.
Jaiswal, D., Kaushal, V., Mohan, A., & Thaichon, P. (2022). Mobile Wallets Adoption: Pre- and Post-Adoption Dynamics of Mobile Wallets Usage. Marketing Intelligence and Planning, 40(5), 573–588. https://doi.org/10.1108/MIP-12-2021-0466.
Karjaluoto, H., Shaikh, A.A., Leppäniemi, M., & Luomala, R. (2020). Examining Consumers’ Usage Intention of Contactless Payment Systems. International Journal of Bank Marketing, 38(2), 332–351. https://doi.org/10.1108/IJBM-04-2019-0155.
Khairudin, K., Baihaqi, Y., Zaelani, A. Q., Hafiz, L., Enizar, E., & Fahlevy, M. R. (2024). Cyber Security and Legal Protection for Dropshipping Transactions in Indonesia: between State Law and Islamic Law. JURIS (Jurnal Ilmiah Syariah), 23(1), 81–92. https://doi.org/10.31958/juris.v23i1.11786.
Kusumaningtyas, R. O., Subekti, R., Jaelani, A. K., Orsantinutsakul, A., & Mishra, U. K. (2022). Reduction of Digitalization Policy in Indonesian MSMEs and Implications for Sharia Economic Development. JURIS (Jurnal Ilmiah Syariah), 21(2), 157–171. https://doi.org/10.31958/juris.v21i2.6855.
Limanan, C.C., & Keni, K. (2023). Behavioral Intention to Use Digital Wallets in Indonesia. International Journal of Application on Economics and Business, 1(2), 216-227. https://doi.org/10.24912/ijaeb.v1.i2.216-227.
Malaysia, J.K.I. (2021). Garis Panduan Penyelarasan Pengurusan Kewangan Masjid dan Surau Seluruh Malaysia. https://www.islam.gov.my.
Migliore, G., Wagner, R., Cechella, F. S., & Liebana-Cabanillas, F. (2022). Antecedents to the Adoption of Mobile Payment in China and Italy: An Integration of UTAUT2 and Innovation Resistance Theory. Information Systems Frontiers, 24(6), 2099–2122. https://doi.org/10.1007/s10796-021-10237-2.
Moher, D., Liberati, A., Tetzlaff, J., Altman, D.G., & PRISMA Group, T. (2009). Preferred Reporting Items for Systematic Reviews and Meta-Analyses: The PRISMA Statement. Annals of internal medicine, 151(4), 264-269. https://doi.org/10.7326/0003-4819-151-4-200908180-00135.
Muliadi, M., Ruslan, R., Maulana, R., & Widyanto, A. (2022). The Purity Concept of Al-Falimbāni and its Correlation with the Islamic Malay Society: The Content Analysis on Sayr Al-Sālikīn Ilā Ibādati Rabb Al-Ālamīn’s Script. Jurnal Ilmiah Islam Futura, 22(1), 105-126. https://doi.org/10.22373/jiif.v22i1.12326.
Musa, A., Zulfikar, T., & Khalidin, B. (2022). Digital-Based Information System of Zakat Management in Indonesia: Strategies for Increasing Revenue in Fiqh Muamalah Perspectives. Samarah: Jurnal Hukum Keluarga Dan Hukum Islam, 6(2), 614–633. https://doi.org/10.22373/sjhk.v6i2.11960.
Namahoot, K.S., & Jantasri, V. (2022). Integration of UTAUT model in Thailand Cashless Payment System Adoption: The Mediating Role of Perceived Risk and Trust. Journal of Science and Technology Policy Management, 14(4), 634-658. https://doi.org/10.1108/JSTPM-07-2020-0102.
Nasor, M., Rifai, R., Utama, E., & Sari, N. (2022). Teenagers’ Perception of Da’wah in Constructing Good Morality. Jurnal Ilmiah Peuradeun, 10(1), 135-148. https://doi.org/10.26811/peuradeun.v10i1.611.
Niam, K., Huda, M. N., Sulanam, S., & Ridwan, A. (2023). Knowledge Management Practices in Enhancing Academic Output: A Study of Indonesian Islamic Universities. Ulumuna, 27(2), 735–761. https://doi.org/10.20414/ujis.v27i2.582
Nordin, N., Nordin, N., Zaib, S. Z. M., & Tahrim, S. N. C. (2023). Evolution of Digital Islamic Banking and Finance Through IR 4.0. http://myscholar.umk.edu.my/handle/123456789/4989.
Nurcholis, A., Moh. Arif, M. A., Efendi, H., & Sunarsih, W. (2021). Building Religious Harmony and Tolerance: Social Da’wa by Sayyid Ahmad bin Salim Al Muhdlor. Ulumuna, 25(2), 329–349. https://doi.org/10.20414/ujis.v25i2.400
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.
Omar, Q., Yap, C. S., Ho, P.L., & Keling, W. (2022). Predictors of Behavioral Intention to Adopt e-AgriFinance App among the Farmers in Sarawak, Malaysia. British Food Journal, 124(1), 239–254. https://doi.org/10.1108/BFJ-04-2021-0449.
Patil, P., Tamilmani, K., Rana, N. P., & Raghavan, V. (2020). Understanding Consumer Adoption of Mobile Payment in India: Extending Meta-UTAUT Model with Personal Innovativeness, Anxiety, Trust, and Grievance Redressal. International Journal of Information Management, 54, 102144. https://doi.org/10.1016/j.ijinfomgt.2020.102144.
Pejabat Mufti Wilayah Persekutuan. (2019). Bayan Linnas Siri Ke-206: Pengimarahan Masjid: Tugas Kita. Retrieved from Mufti of Federal Territory of Malaysia: https://muftiwp.gov.my.
Rahadi, R.A., Nainggolan, Y.A., Afgani, K.F., Yusliza, M.Y., Faezah, J.N., Ramayah, T., Saputra, J., Muhammad, Z., Farooq, K., & Angelina, C. (2022). Towards a Cashless Society: Use of Electronic Payment Devices among Generation z. International Journal of Data and Network Science, 6(1), 137–146. https://doi.org/10.5267/J.IJDNS.2021.9.014.
Rahim, N.F., Bakri, M.H., Fianto, B.A., Zainal, N., & Al Shami, S.A.H. (2022). Measurement and Structural Modeling on Factors of Islamic Fintech Adoption among Millennials in Malaysia. Journal of Islamic Marketing, 14(6), 1463-1487. https://doi.org/10.1108/JIMA-09-2020-0279.
Ramli, I. S. M., Maat, S. M., & Khalid, F. (2019). Learning Analytics in Mathematics: A Systematic Review. International Journal of Academic Research in Progressive Education and Development, 8(4), 436–449. https://doi.org/10.6007/IJARPED/v8-i4/6563.
Reiting, P., Mladenow, A., Strauss, C., & Kotsis, G. (2020). Drivers and Influencing Factors in Mobile Payment Acceptance. In Proceedings of the 10th Euro-American Conference on Telematics and Information Systems (pp. 1-5). https://doi.org/10.1145/3401895.3402073
Riyanto, W. F. (2024). Escaping Islamic Religious Noise: The Pros and Cons of the Use of Mosque Loudspeakers in Indonesia. Ulumuna, 28(1), 81–107. https://doi.org/10.20414/ujis.v28i1.826
Rosnidah, I., Johari, R. J., Musyaffi, A. M., Marota, R., & Muna, A. (2022). E-Government Finance System Readiness for Village Government Employees: Lessons from Indonesia. Quality - Access to Success, 23(189), 238–244. https://doi.org/10.47750/QAS/23.189.27
Saini, L. (2023). Behavioural Intention to Use Mobile Payments in the Light of the UTAUT2 Model. Eduzone: International Peer Reviewed/Refereed Multidisciplinary Journal, 12(1), 219-230. https://eduzonejournal.com/index.php/eiprmj/article/view/325.
Samsudeen, S. N., Selvaratnam, G., & Hayathu Mohamed, A. H. (2022). Intention to Use Mobile Banking Services: An Islamic Banking Customers’ Perspective from Sri Lanka. Journal of Islamic Marketing, 13(2), 410–433. https://doi.org/10.1108/JIMA-05-2019-0108
Sarkam, M.K.A.B.M., Yasin, R.B., Ghani, S.B.A., & Nasional, U.P. (2014). Pengurusan Dana Tabung Masjid di Malaysia: Satu Kajian di Masjid Al-Muttaqin Wangsa Melawati, Kuala Lumpur bagi tahun 2012-2013. In Proceeding of the International Conference on Masjid, Zakat and Waqf. https://conference.uis.edu.my/i-maf/eproceedings/i-maf-2014/masjid.
Sharma, M., & Sharma, S.K. (2019). Theoretical Framework for Digital Payments in Rural India: Integrating UTAUT and Empowerment Theory. In ICT Unbounded, Social Impact of Bright ICT Adoption: IFIP WG 8.6 International Conference on Transfer and Diffusion of IT, TDIT 2019, Proceedings (pp. 212-223). Springer International Publishing. https://doi.org/10.1007/978-3-030-20671-0_15.
Sriani, E., Hasan, F., & Ma’mun, S. (2023). Violation of Human Right for Collateral Fraud in Sharia Financial Institution Based on Fiduciary Guaranty Law and Rahn Law. JURIS (Jurnal Ilmiah Syariah), 22(1), 133–143. https://doi.org/10.31958/juris.v22i1.9157.
Kemp, S. (2022). Digital 2022: Malaysia. In Data Reportal. https://datareportal.com/reports/digital-2022-malaysia.
Singh, N., Sinha, N., & Liébana-Cabanillas, F.J. (2020). Determining Factors in the Adoption and Recommendation of Mobile Wallet Services in India: Analysis of the Effect of Innovativeness, Stress to Use and Social Influence. International Journal of Information Management, 50, 191–205. https://doi.org/10.1016/j.ijinfomgt.2019.05.022
Sivathanu, B. (2019). Adoption of Digital Payment Systems in the Era of Demonetization in India: An Empirical Study. Journal of Science and Technology Policy Management, 10(1), 143–171. https://doi.org/10.1108/JSTPM-07-2017-0033
Soomro, Y. A. (2019). Understanding the Adoption of Sadad E-Payments: UTAUT Combined with Religiosity as Moderator. International Journal of E-Business Research, 15(1), 55–74. https://doi.org/10.4018/IJEBR.2019010104.
Syaikhu, S., Norwili, N., & Maimunah, M. (2021). The Empowerment of Infaq and Waqf Evaluation in Light of Maqasid al-Sharia Perspective in Mosques in Palangka Raya, Indonesia. Samarah: Jurnal Hukum Keluarga dan Hukum Islam, 5(2), 1003-1020. https://doi.org/10.22373/sjhk.v5i2.8997.
Wei, M.F., Luh, Y.H., Huang, Y.H., & Chang, Y.C. (2021). Young Generation’s Mobile Payment Adoption Behavior: Analysis Based on an Extended UTAUT Model. Journal of Theoretical and Applied Electronic Commerce Research, 16(4), 1–20. https://doi.org/10.3390/jtaer16040037.
Wong, L.W., Tan, G.W.H., Lee, V.H., Ooi, K.B., & Sohal, A. (2020). Unearthing the Determinants of Blockchain Adoption in Supply Chain Management. International Journal of Production Research, 58(7), 2100–2123. https://doi.org/10.1080/00207543.2020.1730463.
Wong, S.M., Leong, C.M., & Puah, C.H. (2019). Mobile Internet Adoption in Malaysian Suburbs: The Moderating Effect of Gender. Asian Journal of Business Research, 9(3), 90–114. https://doi.org/10.14707/ajbr.190069.
Wu, Z., & Liu, Y. (2022). Exploring Country Differences in the Adoption of Mobile Payment Service: The Surprising Robustness of the UTAUT2 Model. International Journal of Bank Marketing, 41(2), 237–268. https://doi.org/10.1108/IJBM-02-2022-0052.
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.
Yudha Trishananto, Fuad Mas’ud, Setiawan, & Ulfah Nurul Fauziah. (2024). Formulating Policies for Halal Tourism in Indonesia Based on Islamic Law. Ijtihad: Jurnal Wacana Hukum Islam Dan Kemanusiaan, 24(1), 47–70. https://doi.org/10.18326/ijtihad.v24i1.47-70.
Yusri, F.H. (2021). Kajian Musawarah: Contemporary Da’wah, Pious Identity and Virtual Ummah. Jurnal Ilmiah Islam Futura, 21(1), 117-134. https://doi.org/10.22373/jiif.v0i0.5789.
Zawawi, Z., Yasin, Y., Helmy, M. I., Ma’yuf, A., & Arwani, A. (2023). Waqf and sustainable development law: models of waqf institutions in the Kingdom of Saudi Arabia and Indonesia. Ijtihad: Jurnal Wacana Hukum Islam Dan Kemanusiaan, 23(1), 93–114. https://doi.org/10.18326/ijtihad.v23i1.93-114.
Published
2024-09-30
How to Cite
IDRIS, Junainah et al. Transforming Mosque Financial Management: Utaut Insights into E-Payment Readiness. Jurnal Ilmiah Peuradeun, [S.l.], v. 12, n. 3, p. 1409-1438, sep. 2024. ISSN 2443-2067. Available at: <https://journal.scadindependent.org/index.php/jipeuradeun/article/view/1052>. Date accessed: 02 dec. 2024. doi: https://doi.org/10.26811/peuradeun.v12i3.1052.