Academic literature on the topic 'E-zakat payment'

Background and Purpose: Online payment is an important method of transaction widely practiced across the globe. Due to its flexibility and convenience, it has been a popular method of payments in recent times especially in important religious matters such as zakat, one of the pillars of Islam. Since it is an important religious obligation, the relevant authorities need to identify factors that would facilitate the payment of zakat from the perspective of zakat payers, especially in difficult times of the 2020-2021 pandemic situation. Thus, the aim of this paper is to identify factors that influence the intention of using electronic payment (e-payment) platforms to pay zakat. In addition, the mediating role of attitude will also be analysed in examining the relationships between perceived usefulness and perceived ease of use to zakat payment intention.
 
 Methodology: The present study employed a survey method to assemble data pertaining to attitude, perceived usefulness and perceived ease of use as potential factors that determine user’s behavioural intention of e-payment zakat in Malaysia. 193 questionnaires were responded to and analysed via Partial Least Square (PLS) with the Smart-PLS 3.0 software.
 
 Findings: Results showed that significant aspects such as perceived ease of use and perceived usefulness have positive bearings on attitude and intention to use zakat e-payment platform. The study also found that Islamic financial institutions (IFIs) are growing in popularity and the zakat authorities and fin-tech companies are establishing greater synergies tool.
 
 Contributions: The findings put forward that Zakat institutions may need to improvise their e-payment platform to attract zakat payers. Besides, the findings also highlight the behavioural intention of zakat payers in response to technological advancement that the providers and users should acknowledge. Hence, it is expected that the collection of zakat would be increased in the future via e-payment platform.
 
 Keywords: Zakat, e-payment, attitude, intention, online payment.
 
 Cite as: Hamzah, M. Z., Rahim, H., Abdul Rasool, M. S., Abdul Khir, M. F., & Zakaria, N. B. (2023). Ease and usefulness of zakat e-payment: The mediating role of attitude towards intention. Journal of Nusantara Studies, 8(TI), 408-428. http://dx.doi.org/10.24200/jonus.vol8issTIpp408-428

Zakat E-payment is one of the product innovations that is a widely spread method to facilitate the contribution of zakat in the present world. Online payment is an important method of transaction widely practiced across the globe. Due to its flexibility and convenience, it has been a popular payment method recently, especially in critical religious matters such as zakat, one of the pillars of Islam. The main objective of the study is to analyse the acceptance of the zakat e-payment system from the perception of undergraduates as they are potential payors in the future as they enter the workforce. Specifically, factors influencing the acceptance of zakat e-payment will be determined. The study’s conceptual framework is based on the Theory of Acceptance (TAM), where six variables or constructs, namely financial literacy (FL), perceived usefulness (PU), Perceived Ease of Use (PEU), Enjoyment (ENJ), Attitude (ATT) and Behavioural Intention (BI). This cross-section study employs a data set comprising 210 undergraduate students. Data was collected using a close-ended questionnaire. The results, among others, recommend that zakat e-payment system providers modify or create highly usable applications. Therefore, marketing initiatives should focus on promoting these zakat e-payment system characteristics.

Zakat potential in Indonesia is very large, but the potential has not been explored optimally. One of the challenges is how zakat institutions create innovative strategies of collecting zakat in accordance with the current millennial era. This study aims to analyze zakat fundrasing models that have been done by zakat institutions and also attempt to propose solutions to optimize zakat funding in the digital era. The results of the research formulate that digital era funding strategy must be in line with the revolutionary spirit of industry 4.0 characterized by digital-based. So far the fundraising strategy is not yet new, that is still conservative for example: not yet make the website become based on android, so website more accessible. Zakat institutions also should innovates zakat payment cooperation as online zakat (online payment or e-payment), for example cooperation through fintech and e-commerce. Suggestions and conclusions that all zakat institutions have similarities, no new strategy and zakat institutions should innovate in strategy. Potensi zakat di Indonesia sangat besar, namun potensi tersebut belum tergarap secara maksimal. Salah satu tantangannya adalah bagaimana lembaga zakat menciptakan strategi inovatif dalam menghimpun zakat sesuai dengan era milenial saat ini. Penelitian ini bertujuan untuk menganalisis model-model fundrasing zakat yang telah dilakukan oleh lembaga zakat dan juga berupaya memberikan solusi untuk mengoptimalkan pendanaan zakat di era digital. Hasil penelitian merumuskan bahwa strategi pendanaan era digital harus sejalan dengan semangat revolusioner industri 4.0 yang bercirikan berbasis digital. Sejauh ini strategi fundraising masih belum baru, yaitu masih konservatif misalnya: belum menjadikan website berbasis android, sehingga website lebih mudah diakses. Lembaga zakat juga harus melakukan inovasi kerjasama pembayaran zakat sebagai zakat online (pembayaran online atau e-payment), misalnya kerjasama melalui fintech dan e-commerce. Saran dan kesimpulan bahwa lembaga zakat memiliki kesamaan,yaitu tidak ada strategi baru dan lembaga zakat harus berinovasi dalam strategi fundraising.

The technology evolution in the zakat collection and payment services has brought about a profound transformation in the global processes of gathering and distributing charitable contributions. Despite witnessing a positive trend in annual zakat collection in Malaysia, it has yet to reach its optimal level. Therefore, predictions regarding performance and comparisons across multiple models for online zakat collection hold crucial significance in improving the overall collection rate. This paper, utilizing data from 230 zakat payers, presents an empirical assessment of various machine learning algorithms aimed at predicting zakat payer intentions when utilizing online platforms for zakat payments. Additionally, this paper presents the analysis of machine learning features importance to justify the effect of technology acceptance model (TAM) and theory of technology readiness (TR) attributes in the machine learning algorithms for predicting e-zakat payment service adoption intention. The findings show that many of the machine learning models are able to perform for highly accurate results, with most achieving over 80% accuracy. The most crucial attribute influencing these predictions was found to be the TAM. This study's methodology is designed to be easily replicable, allowing for further detailed exploration of both the influencing factors and the machine learning algorithms used.