Factors Influencing Intention to Use Digital Platforms for Zakat, Infaq, and Sadaqah (ZIS) Payment in Jordan: Literature Review Paper

Abstract

Despite the growing prevalence of financial technology worldwide, the intention to use digital online payments for Zakat, Infaq, and Sadaqah (ZIS) in Jordan remains limited. This literature review integrates empirical results on the determinants of donors' intentions to adopt and use digital ZIS platforms, employing the Unified Theory of Acceptance and Use of Technology (UTAUT) and its extensions. The main technological factors, such as performance expectancy, effort expectancy, social influence, and facilitating conditions, are reviewed together with donation-specific constructs such as ZIS literacy, privacy and security perceptions, and trust. The literature review highlights inconsistencies in prior results, particularly regarding the performance expectancy, the roles of effort expectancy, and privacy & security, as well as the limited exploration of facilitating conditions as a moderating factor and ZIS literacy as an extended construct. By extending privacy & security, ZIS literacy, and trust to the UTAUT model, this research aims to provide a comprehensive framework for explaining digital ZIS adoption in Jordan.