Pelaksanaan Badal Haji: Isu Kontemporari dan Penyelesaian Berasaskan Maqasid al-Shariah
Digital Zakat Platform Adoption Among Islamic Banks: A Comprehensive Review
Author
Saleem Alzoubi
Centre for Islamic Development Management Studies, USM, Penang, Malaysia
Azreen Hamiza Abdul Aziz
Centre for Islamic Development Management Studies, USM, Penang, Malaysia
Centre of Excellence for Research and Innovation in Islamic Economics (i-RISE) ISRA Institute, INCEIF University
Murni Yusoff
Centre for Islamic Development Management Studies, USM, Penang, Malaysia
DOI : https://doi.org/10.65404/JAWHAR.401005
Keywords : Digital zakat, digital finance, technology acceptance model, Islamic banks, Jordan
Abstract : The purpose of this study is to review the existing literature on the adoption of digital zakat platforms within Islamic banks, particularly in Jordan. Despite the rapid advancement of digital financial technologies, the adoption of digital zakat services remains relatively limited, indicating a critical gap between technological availability and user acceptance. Drawing on the Technology Acceptance Model (TAM) and its extensions, this study synthesizes prior empirical research to examine the role of Perceived Usefulness (PU), Perceived Ease of Use (PEOU), Trust (TR), and Social Influence (SI) in shaping users’ intention to adopt digital platforms for zakat payment. The findings indicate that PU and PEOU remain the primary drivers of technology adoption, while trust and social influence play a particularly significant role in financial and religious contexts such as zakat. Furthermore, barriers including limited digital literacy and security concerns continue to hinder wider adoption. This study contributes to the literature by providing a structured and context-specific understanding of digital zakat adoption in Islamic banking and offers practical implications for enhancing user acceptance and participation, particularly in emerging markets such as Jordan.
Journal Specification
The Journal of Awqaf, Zakat, and Hajj (Jawhar) is registered in MyJurnal, an online system by the Citation and Infometric Division, the Higher Education Department, MoHE. MyJurnal indexes Malaysian journals and provides bibliographic data and full-text articles across various disciplines, including Arts & Humanities, Engineering & Technology, Medical & Health Sciences, Sciences and Social Sciences.