Examining the Moderating Effect of Sharia Financial Literacy on the Relationship between Digital-Based Ziswaf Behavior and Customer Engagement in Islamic Banking: Evidence from Pekanbaru City
DOI:
https://doi.org/10.5281/Keywords:
Attitude, Subjective Norm, Perceived Behavioral Control, Trust, Ease of Use of BYOND BY BSI, Religiosity, Digital- Based ZISWAF Behavior, Islamic Financial LiteracyAbstract
Digital-based ZISWAF behavior refers to the management and implementation of Zakat, Infaq, Sadaqah, and Waqf through digital platforms. This study examines the influence of attitude, subjective norm, perceived behavioral control, trust, perceived ease of use of BYOND BY BSI, and religiosity on digital-based ZISWAF behavior, with Islamic financial literacy as a moderating variable among Bank Syariah Indonesia customers in Pekanbaru City. Using 96 respondents and SEM-PLS 4.0 analysis, the results show that attitude, subjective norm, perceived behavioral control, trust, and religiosity significantly affect digital-based ZISWAF behavior, while perceived ease of use does not. Islamic financial literacy significantly moderates the relationship between perceived ease of use and digital-based ZISWAF behavior, but not the other variables. Overall, the model explains 72.5% of behavioral variance, underscoring the importance of Islamic financial literacy and trust in promoting digital ZISWAF adoption in Islamic banking.
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