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Extending the UTAUT to Examine Factors Influencing the Intention to Infaq and Sadaqah Using Mobile Banking: Evidence from Muslim Millennials in Indonesia

Journal of Islamic Monetary Economics and Finance · Vol. 12 No. 3 (2026) · hlm. 609–634

DOI
10.21098/jimf.v12i3.2453
ISSN
2460-6618, 2460-6146
Terbit
2026-08-31
Penerbit
Bank Indonesia
Bahasa
eng
Lisensi
creativecommons.org/licenses/by-nc/4.0

Abstrak

This study extends the Unified Theory of Acceptance and Use of Technology (UTAUT) model to examine the factors that influence the intention to infaq and sadaqah using mobile banking among the millennial Muslim generation in Indonesia. In addition to UTAUT variables, namely performance expectancy, effort expectancy, social influence, and facilitating conditions, we include trust in institutions, religiosity, and habit as potential factors. Primary data were gathered by means of questionnaires completed by 207 respondents, analyzed using the partial least squares-structural equation modeling (PLS-SEM) method. The main results indicate that performance expectancy, effort expectancy, social influence, facilitating conditions, trust in institutions, and religiosity influence the intention to infaq and sadaqah using mobile banking. However, habit does not determine such intention. Social influence is the most dominant factor, which shows that Muslim millennials in Indonesia have fairly high social sensitivity as a form of social responsibility. It also confirms that encouragement from family, friends and influential people around them is an important consideration for Muslim millennials to give infaq and sadaqah through mobile banking.

Kata kunci

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10 penulis · 19 tautan kepenulisan bersama · 15 lintas organisasi

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  • Universitas Suryakancana
  • University of Helsinki
  • Sunan Gunung Djati State Islamic University Bandung
  • Office of the United Nations High Commissioner for Refugees
  • Universiti Sains Islam Malaysia
  • Universiti Brunei Darussalam
  • Syarif Hidayatullah State Islamic University Jakarta
  • Organisasi berbeda
  • Organisasi sama
  • Afiliasi tidak diketahui
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Tampilkan sebagai tabel
Rekan penulisOrganisasiArtikel bersama
Reksa JayengsariUniversitas Suryakancana2
Mohammed Ashfaq AyoobUniversity of Helsinki1
Elis Ratna WulanSunan Gunung Djati State Islamic University Bandung1
Mohammad Ullah KhanOffice of the United Nations High Commissioner for Refugees1
Abu Umar Faruq AhmadUniversiti Brunei Darussalam1
Mualimin Mochammad SahidUniversiti Sains Islam Malaysia1
Yayan SopyanSyarif Hidayatullah State Islamic University Jakarta1
Hesti Dwi AstutiUniversitas Suryakancana1
Cucu SholihahUniversitas Suryakancana1

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Sumber metadata: OAI-PMH (metadata jurnal) http://www.jimf-bi.org/index.php/JIMF/oai, pertama di-harvest 9 Nov 2026, terakhir terlihat 9 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en">Extending the UTAUT to Examine Factors Influencing the Intention to Infaq and Sadaqah Using Mobile Banking: Evidence from Muslim Millennials in Indonesia</dc:title>
	<dc:creator xml:lang="en">Husaeni, Uus Ahmad</dc:creator>
	<dc:subject xml:lang="en">UTAUT, Infaq, Sadaqah, Mobile banking, Millenials.</dc:subject>
	<dc:description xml:lang="en">This study extends the Unified Theory of Acceptance and Use of Technology (UTAUT) model to examine the factors that influence the intention to infaq and sadaqah using mobile banking among the millennial Muslim generation in Indonesia.  In addition to UTAUT variables, namely performance expectancy, effort expectancy, social influence, and facilitating conditions, we include trust in institutions, religiosity, and habit as potential factors. Primary data were gathered by means of questionnaires completed by 207 respondents, analyzed using the partial least squares-structural equation modeling (PLS-SEM) method. The main results indicate that performance expectancy, effort expectancy, social influence, facilitating conditions, trust in institutions, and religiosity influence the intention to infaq and sadaqah using mobile banking. However, habit does not determine such intention. Social influence is the most dominant factor, which shows that Muslim millennials in Indonesia have fairly high social sensitivity as a form of social responsibility. It also confirms that encouragement from family, friends and influential people around them is an important consideration for Muslim millennials to give infaq and sadaqah through mobile banking.</dc:description>
	<dc:publisher xml:lang="en">Bank Indonesia</dc:publisher>
	<dc:date>2026-08-31</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en">Peer-reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://jimf-bi.org/JIMF/article/view/2453</dc:identifier>
	<dc:identifier>10.21098/jimf.v12i3.2453</dc:identifier>
	<dc:source xml:lang="en">Journal of Islamic Monetary Economics and Finance; Vol. 12 No. 3 (2026); 609-634</dc:source>
	<dc:source>2460-6618</dc:source>
	<dc:source>2460-6146</dc:source>
	<dc:source>10.21098/jimf.v12i3</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://jimf-bi.org/JIMF/article/view/2453/1050</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2026 Journal of Islamic Monetary Economics and Finance</dc:rights>
	<dc:rights xml:lang="en">http://creativecommons.org/licenses/by-nc/4.0</dc:rights>
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