Acceptance model for predicting adoption of Zakat, Infaq, and Sodaqoh (ZIS) digital payments in Generation Z

Purpose
This study aims to explore the factors that can encourage Generation Z to continue using Zakat, Infaq and Sodaqoh (ZIS) digital payments. The factors used to determine the behavioral intention (BI) of Generation Z are adoption readiness (AR), perceived risk (PR), trust (TR) and personal innovativeness (PI).

Design/methodology/approach
AR (reflected by facilitating condition, social influence, ease of use and usefulness), PR (security risk and privacy risk), PI, TR and BI were tested using structural equation model (with smart PLS analysis tool).

Findings
AR and BI are influenced by PI. In addition, BI is also influenced by TR, where TR will increase if risk can be minimized. This study was not able to prove the role of risk on BI.

Research limitations/implications
This result focuses on Generation Z, so future research can compare results between generations. In addition, regulations between countries can affect the results of similar research, and factors that have not been used in this study can be used for future research.

Practical implications
The results show that several reflective models of AR and PR. By adding the TR factor, this study can be used to understand the attributes of the acceptance of the ZIS digital payment model. On the other hand, this research has practical implications for the success of cashless ZIS payment transactions.

Originality/value
The model in this study develops an existing acceptance model and uses this model in the ZIS digital payment for Generation Z.