Security Over Spirituality? The Role of Transaction Trust in Digital Cash Waqf Adoption Among Indonesian Gen Z
Öz
This study explores the key determinants influencing Generation Z’s (Gen Z’s) intention to donate to digital cash waqf platforms in Indonesia. In this country, Islamic philanthropy is increasingly intersecting with digital transformation. Despite the growing number of digital waqf platforms, participation from younger, tech-savvy Muslim donors remains relatively low. To address this issue, the study integrates the Theory of Planned Behavior (TPB) and the Technology Acceptance Model (TAM) into a unified framework. Eight constructs were examined, namely, attitude, religious awareness, waqf literacy, trust in nazhir, perceived usefulness, ease of access, transaction security, and social influence. Data were collected through a purposive sample of 109 Gen Z residing in Bogor, Indonesia, and analyzed using Structural Equation Modeling with Partial Least Squares (SEM-PLS). The results show that, of the eight hypotheses tested, only transaction security had a significant positive effect on the intention to donate. Surprisingly, religious and behavioral variables such as attitude and religiosity, along with TAM-based factors like perceived usefulness and ease of use, were not found to be statistically significant. These findings highlight the critical role of digital trust and safety in shaping philanthropic behavior among Gen Z, suggesting that emotional or theological motivations may be secondary to security concerns in digital giving contexts. The study offers both theoretical and practical implications for the field of Islamic marketing, particularly in designing digital waqf strategies that resonate with younger Muslim consumers.
Anahtar Kelimeler
digital waqf, Generation Z, Islamic marketing, transaction security, TPB, TAM
Kaynakça
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