Digital Transformation of Zakat Collection through Marketplace and Fintech in Pandemic Era

Abstract

Advances in information technology need to be adopted for fields related to zakat. With the shift in the population that continues to be digitally literate, more and more applications and services are being developed for these digital-based purposes. Financial technology applications and marketplaces are the highlights of this research. a number of mobile-based sharia fintechs and unicorn and/or decaron marketplaces were observed as potentially positive media to collect zakat from information technology literate circles. The observed sharia fintech: 1) Investree, 2) Ammana.id, 3) ALAMI, 4) SYARIAH FUND, 5) Duha Syariah, and 6) PAPITUPI Syariah. Meanwhile, the unicorn and/or decacorn marketplaces observed were: 1) Gojek, 2) Tokopedia, 3) Bukalapak, 4) OVO, and 5) JD.ID. The results of the study show that there are still very few mobile-based sharia fintech and unicorn/decaron marketplaces in Indonesia. But, although it is small, the opportunity for zakat income from the two groups of users of the information technology application is very large.