Determinant Behavioral Intention to Use Fintech for ZISWAF Payments In Generation Z: Integration of Technology Acceptance Model and Theory of Planned Behavior

Abstract

Optimizing financial technology services can be an alternative solution in dealing with the problem of collecting zakat, infaq, alms, waqf (ZISWAF) funds which are still far from the existing potential figures. This research aims to analyze the factors influence behavioral intention to use fintech for ZISWAF in generation Z by integrating TAM and TPB theories. This study uses Technology Acceptance Model (TAM) dan Theory of Planned Behavior (TPB) in analyzing behavioral factors in using fintech. The analytical method used in this research is SEM-PLS using Smart PLS 4.0. The independent variables in this research include perceived usefulness, perceived convenience, attitudes, subjective norms, and perceived behavioral control. The dependent variable examined in this research is Behavioral Intention to use fintech. Apart from that, this research also uses the attitude as a mediating variable between perceived usefulness and perceived ease of use of the Behavioral Intention. The research results show that the TAM construct variable, namely perceived usefulness, does not have a positive effect on Behavioral Intention, while the perceived convenience variable has a positive effect on Behavioral Intention. However, these two variables have an indirect effect on Behavioral Intention through the mediation of the usage attitude variable. Besides that, the TPB construct variables, namely attitudes and subjective norms, have a positive and significant influence on Behavioral Intention, but the perceived behavioral control variable does not have a significant positive influence on Behavioral Intention.