The rapid development of financial technology has reshaped how young people make everyday transactions. One emerging innovation is the Islamic digital wallet, a digital payment service designed not only for convenience, speed, and security, but also for compliance with Sharia principles. This research examined the determinants of Islamic digital wallet acceptance among urban Muslim youth. The study involved 100 respondents selected through purposive sampling. All respondents had activated Islamic digital wallet and had completed at least one transaction through the platform. Data was collected through an online survey and analyzed using multiple linear regression with SPSS Version 29. By integrating the Technology Acceptance Model (TAM), the Theory of Planned Behavior (TPB), and religiosity, the study offers a broader perspective on Islamic fintech adoption. The variables tested include perceived usefulness, perceived ease of use, religiosity, attitude toward behavior, subjective norm, and perceived behavioral control.
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:
https://e-journal.metrouniv.ac.id/akademika/article/view/11660
https://doi.org/10.32332/akademika.v31i1.11660.
