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


  • 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



Zakah, Infaq, Sadaqah, FinTech, User Experience


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.


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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.