Digital Transformation of Sharia Financial Planning: A Quantitative Study on Muslim Millennials in Indonesia

DOI

10.2991/978-94-6239-709-5_71How to use a DOI?

Keywords

Digital Financial Literacy; Trust; Sharia Compliance; Religious Alignment; Islamic Fintech

Abstract

The rapid growth of Islamic financial technology (fintech) in Indonesia has created new opportunities for Muslim millennials to engage with Sharia-compliant digital financial planning platforms. However, adoption remains a challenge due to issues of digital literacy, trust, and concerns over Sharia compliance. This study investigates the influence of digital financial literacy, perceived trust, and Sharia compliance on the intention to use digital Sharia financial planning tools, while examining the mediating role of religious alignment. Using a quantitative cross-sectional survey of 300 Muslim millennials in Indonesia and applying Structural Equation Modelling with SmartPLS 4, the results demonstrate that all three main constructs positively affect usage intention. Moreover, religious alignment significantly mediates the relationship between Sharia compliance and adoption intention. These findings emphasize the importance of enhancing digital financial literacy, strengthening trust through transparency and certification, and ensuring consistent Sharia compliance to increase user engagement. The study provides theoretical insights into Islamic behavioral finance and practical implications for fintech developers, regulators, and policymakers in fostering an inclusive and ethical financial ecosystem.

Copyright

© 2026 The Author(s)

Open Access

Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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TY  - CONF
AU  - Zakiyyah Mutiah
AU  - Mursalim Nohong
AU  - Bahtiar Herman
PY  - 2026
DA  - 2026/06/20
TI  - Digital Transformation of Sharia Financial Planning: A Quantitative Study on Muslim Millennials in Indonesia
BT  - Proceedings of the 10th International Conference on Accounting, Management, and Economics (10th ICAME 2025)
PB  - Atlantis Press
SP  - 1042
EP  - 1051
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6239-709-5_71
DO  - 10.2991/978-94-6239-709-5_71
ID  - Mutiah2026
ER  -