To read this content please select one of the options below:

Understanding Muslim’s switching from cash to m-payments: based on push-pull-mooring framework

Rizaldi Yusfiarto (Department Sharia Finance Management, Faculty of Islamic Economics and Business, Universitas Islam Negeri Sunan Kalijaga, Yogyakarta, Indonesia)
Sunarsih Sunarsih (Department Sharia Finance Management, Faculty of Islamic Economics and Business, Universitas Islam Negeri Sunan Kalijaga, Yogyakarta, Indonesia)
Darmawan Darmawan (Department Sharia Finance Management, Faculty of Islamic Economics and Business, Universitas Islam Negeri Sunan Kalijaga, Yogyakarta, Indonesia)

Journal of Islamic Marketing

ISSN: 1759-0833

Article publication date: 20 September 2021

Issue publication date: 26 January 2023

1067

Abstract

Purpose

The purpose of this study is to explore a theoretical model using the push-pull-mooring framework which adopts both direct and moderating effects, in relation to building antecedents of Muslim switching intention (SI) from using cash to mobile payment (m-payment).

Design/methodology/approach

The data collected were 317 respondents, then processed using the partial least squares structural equation modeling approach (SEM-PLS). Furthermore, advanced PLS techniques such as PLS predict, blindfolding and importance-performance map analysis are used to verify the statistical analysis of findings.

Findings

This research underlines the importance of religious commitment factor when talking about Muslims SI to use m-payment. Moreover, the features of m-payment, such as enjoyment, efficiency, security and convenience, have contributed to the driving and attracting factors for Muslim individuals to switch from cash to m-payment.

Practical implications

Fundamentally it is highly recommended that the highest concentration of service provider strategies is always obeying the principles of Islamic finance, with regard to the Muslim community as their target market. Specific to the government, the distribution of supporting infrastructure and literacy of new technologies such as m-payment are still important points in an effort to create a cashless society.

Originality/value

The model in this study emphasizes the internal and external construction of a Muslim in relation to the behavior of SI from using cash to m-payment. Thus, the construction of the model that has been built is considered to bring more relevant factors to explain the m-payment adoption behavior of a Muslim from various perspectives.

Keywords

Acknowledgements

Acknowledgements: None of the other agency or institution has a conflict of interest.

Funding: No funding is received for this study.

Authors’ contributions: Yusfiarto: Idea Generation, Literature Review and Data Collection. Sunarsih: Research Supervisor. Darmawan: Data Analyst. All authors read and approved the final manuscript.

Declarations: On behalf of all authors, the corresponding author declare.

Availability of data and materials: The data and materials is original and collected by the researchers through primary sources. Not any of the data or part of the manuscript is plagiarized.

Competing interest: No actual or potential conflicts of interest with respect to the research, authorship and/or publication of this article.

Citation

Yusfiarto, R., Sunarsih, S. and Darmawan, D. (2023), "Understanding Muslim’s switching from cash to m-payments: based on push-pull-mooring framework", Journal of Islamic Marketing, Vol. 14 No. 2, pp. 342-365. https://doi.org/10.1108/JIMA-05-2021-0135

Publisher

:

Emerald Publishing Limited

Copyright © 2021, Emerald Publishing Limited

Related articles