Discovering the Experience of Financial Technology (FinTech) Users in Paying Zakah, Infaq, and Sadaqah (ZIS) in East Java, Indonesia

Authors

  • Maulida Dwi Agustiningsih UIN Kiai Haji Achmad Siddiq Jember
  • Novita Nurul Islami UIN Kiai Haji Achmad Siddiq Jember
  • Tiara Tiara University of Jember
  • Widyo Pramono SMK Negeri 1 Jember

DOI:

https://doi.org/10.33830/elqish.v1i2.1842.2021

Keywords:

Zakah, Infaq, Sadaqah, FinTech, User Experience

Abstract

COVID-19 impacts the people and some companies in different sectors. This pandemic creates online Zakah, Infaq, and Sadaqah (ZIS) payments which must be developed in line with FinTech services in Indonesia that increase continuously. However, many companies lack intentions on User Experience (UX) that can be a risk for services or products. This study explores the Experience of Financial Technology (FinTech) users in Paying Zakah, Infaq, and Sadaqah (ZIS). The quantitative method is used by collecting online questionnaires through FinTech users in East Java, Indonesia. PLS-SEM was used to analyze data. Findings. The result indicated that both information and system quality have no impact on the user experience. Meanwhile, service quality positively relates to user experience. As a result, this study disclosed the user experience of ZIS payment during COVID-19 that will lead to the user's intentions and net benefit.

References

Ab Hamid, M. R., W. Sami, and M. H. Mohmad Sidek. 2017. “Discriminant Validity Assessment: Use of Fornell & Larcker Criterion versus HTMT Criterion.†Journal of Physics: Conference Series 890(1).

Abrego Almazán, Demian, Yesenia Sánchez Tovar, and José M. Medina Quintero. 2017. “Influence of Information Systems on Organizational Results.†Contaduría y Administración 62(2):321–38.

Anon. n.d. “The Role of Design Ethics in UX (Video).†Retrieved July 18, 2021 (https://www.nngroup.com/videos/design-ethics-ux/)

APJII. 2021. Buletin APJII Edisi 91. Retrieved August 25, 2021 (https://apjii.or.id/downfile/file/BULETINAPJIIEDISI91Juli2021.pdf)

Assosiasi Penyelenggara Jasa Internet Indonesia. 2020. Laporan Survei Internet 2019 – 2020 (Q2). www.apjii.or.id.

Barclay, D., Higgins, C. & Thompson, R. 1995. “The Partial Least Squares (PLS) Approach to Causal Modeling: Personal Computer Adoption and Use as an Illustrationâ€, Technology Studies, vol. 2, no. 2, pp. 285-309.

Chiou, Jyh Shen, and Cornelia Droge. 2006. “Service Quality, Trust, Specific Asset Investment, and Expertise: Direct and Indirect Effects in a Satisfaction-Loyalty Framework.†Journal of the Academy of Marketing Science 34(4):613–27.

Chishti, S., and J. Barberis. 2016. The FinTech Book. Chichester: John Wiley & Sons Ltd.

DeLone, W. H., and E. R. McLean. 2002. “Information Systems Success Revisited.†Proceedings of the Annual Hawaii International Conference on System Sciences 2002-Janua(c):2966–76.

DeLone, William H., and Ephraim R. McLean. 1992. “Information Systems Success: The Quest for the Dependent Variable.†Https://Doi.Org/10.1287/Isre.3.1.60 3(1):60–95.

DeLone, William H., and Ephraim R. McLean. 2003. “The DeLone and McLean Model of Information Systems Success: A Ten-Year Update.†Pp. 9–30 in Journal of Management Information Systems. Vol. 19. Routledge.

Fitri, Lailatul, and Falikhatun Falikhatun. 2021. “Religiosity, Literacy, Income and Accessibility to Awareness in Professional Zakah Payment.†International Journal of Zakah 6(1):39–48.

Hair, Joe F., Christian M. Ringle, and Marko Sarstedt. 2011. “PLS-SEM: Indeed a Silver Bullet.†Journal of Marketing Theory and Practice 19(2):139–52.

Han, Heejeong, Arum Park, Namho Chung, and Kyoung Jun Lee. 2016. “A near Field Communication Adoption and Its Impact on Expo Visitors’ Behavior.†International Journal of Information Management 36(6):1328–39.

Hassanzadeh, Alireza, Fatemeh Kanaani, and Shában Elahi. 2012. “A Model for Measuring E-Learning Systems Success in Universities.†Expert Systems with Applications 39(12):10959–66.

Isaac, Osama, Zaini Abdullah, T. Ramayah, and Ahmed M. Mutahar. 2017. “Internet Usage and Net Benefit among Employees Within Government Institutions in Yemen: An Extension of Delone and Mclean Information Systems Success Model (DMISM) with Task-Technology Fit.†International Journal of Soft Computing 12(3):178–98.

Kabbar, Eltahir, and Peter Dell. 2016. “A Demand-Based e-Government Adoption Model (DeAM).†Pp. 67–76 in ACM International Conference Proceeding Series. Vols. 22-23-Nove.

Ke, Ping, and Fu Su. 2018. “Mediating Effects of User Experience Usability: An Empirical Study on Mobile Library Application in China.†Electronic Library 36(5):892–909.

Kuo, Ying Feng, Chi Ming Wu, and Wei Jaw Deng. 2009. “The Relationships among Service Quality, Perceived Value, Customer Satisfaction, and Post-Purchase Intention in Mobile Value-Added Services.†Computers in Human Behavior 25(4):887–96.

Leong, Kelvin. 2018. “FinTech (Financial Technology): What Is It and How to Use Technologies to Create Business Value in Fintech Way?†International Journal of Innovation, Management, and Technology 9(2):74–78.

Mahlke, Sascha. 2006. “Studying User Experience with Digital Audio Players.†Pp. 358–61 in Lecture Notes in Computer Science (including subseries Lecture Notes in Artificial Intelligence and Lecture Notes in Bioinformatics). Vol. 4161 LNCS.

Mintu-Wimsatt, A., & Graham, J. L. 2004. Testing a Negotiation Model on Canadian Anglophone and Mexican Exporters. Journal of the Academy of Marketing Science, 32(3), 345–356. https://doi.org/10.1177/0092070304266123

Niswah, Farokhah Muzayinatun, Lu’liyatul Mutmainah, and Diah Ayu Legowati. 2019. “Muslim Millennial’S Intention of Donating for Charity Using Fintech Platform.†Journal of Islamic Monetary Economics and Finance 5(3):623–44.

Norman, D. A. 1999. “Affordance, Convention, and Design.†Interaction 5:38–43.

Petter, Stacie, William DeLone, and Ephraim McLean. 2008. “Measuring Information Systems Success: Models, Dimensions, Measures, and Interrelationships.†European Journal of Information Systems 17(3):236–63.

Putro, Sewindu, Kusrini Kusrini, and Mei Parwanto Kurniawan. 2020. “Penerapan Metode UEQ Dan Cooperative Evaluation Untuk Mengevaluasi User Experience Lapor Bantul.†Creative Information Technology Journal 6(1):27.

Rudini, Ahmad. 2015. “Pengaruh Kualitas Sistem, Kualitas Informasi Dan Kualitas Pelayanan SIA Terhadap Kepuasan Mahasiswa (Studi Pada Mahasiswa STIE Sampit TA. 2014-2015).†Jurnal Terapan Manajemen Dan Bisnis 1(1):39–49.

Schrepp, Martin, and Jörg Thomaschewski. 2019. “Design and Validation of a Framework for the Creation of User Experience Questionnaires.†International Journal of Interactive Multimedia and Artificial Intelligence 5(7):88.

Seiler, Vicky L., and Timothy H. Reisenwitz. 2010. “A Review of Service Quality Research in Real Estate.†Journal of Real Estate Literature 18(2):225–38.

Septian, Farid. 2020. “Ziswaf Dan Resesi Ekonomi Di Era Pandemi.†17 April (April):17–19. Retrieved March 10, 2021 (https://baznas.go.id/pendistribusian/baznas/2072-ziswaf-dan-resesi-ekonomi-di-era-pandemi).

Sharma, Sujeet Kumar, and Manisha Sharma. 2019. “Examining the Role of Trust and Quality Dimensions in the Actual Usage of Mobile Banking Services: An Empirical Investigation.†International Journal of Information Management 44:65–75.

Sharp, H., Y. Rogers, and J. Preece. 2019. Interaction Design: Beyond Human-Computer Interaction, Fith Edition. Canada: John Wiley & Sons, Inc.

Taylor, Shirley, and Peter Todd. 1995. “Assessing IT Usage: The Role of Prior Experience.†MIS Quarterly: Management Information Systems 19(4):561–68.

Wang, Wei Tsong, and Wen Yin Chen. 2016. “Assessing the Effects of Mobile Service Quality on Customer Satisfaction and the Continued Usage Intention of Mobile Service: A Study of Non-Gaming Mobile Apps.†Lecture Notes in Computer Science (Including Subseries Lecture Notes in Artificial Intelligence and Lecture Notes in Bioinformatics) 9741:459–67.

Wargadalam, Winanda Wahana. 2019. “Influence of Information Quality, System Quality, Service Quality and Security on User Satisfaction in Using E-Money Based Paytren Applications.†Journal of Applied Managerial Accounting 3(2):288–99.

www.ojk.go.id. 2021. “Penyelenggara Fintech Lending Terdaftar Dan Berizin Di OJK per 4 Mei 2021.†Www.Ojk.Go.Id 1. Retrieved March 13, 2021 (https://www.ojk.go.id/id/kanal/iknb/financial-technology/Pages/Penyelenggara-Fintech-Lending-Terdaftar-dan-Berizin-di-OJK-per-10-Januari-2021.aspx.).

Yosep, Yosep. 2015. “Analysis of Relationship between Three Dimensions of Quality, User Satisfaction, and E-Learning Usage of Binus Online Learning.†CommIT (Communication and Information Technology) Journal 9(2):67.

Zhou, Tao. 2020. “The Effect of Flow Experience on Users’ Social Commerce Intention.†Kybernetes 49(10):2349–63.

Downloads

Published

2021-12-04

How to Cite

Dwi Agustiningsih, M., Islami, N. N. ., Tiara, T., & Pramono, W. . (2021). Discovering the Experience of Financial Technology (FinTech) Users in Paying Zakah, Infaq, and Sadaqah (ZIS) in East Java, Indonesia. El-Qish: Journal of Islamic Economics, 1(2), 132–143. https://doi.org/10.33830/elqish.v1i2.1842.2021

Issue

Section

Articles