E-ZAKAT PAYMENT SYSTEMS: DIGITAL WALLET INTEGRATION AND TRANSACTION CONVENIENCE

Abstract

This study examines the implementation of e-zakat payment systems through digital wallet integration and its impact on transaction convenience among Muslim users. The purpose of this manuscript is to explore how digital payment technology facilitates zakat payments and shapes user perceptions regarding ease of use, accessibility, and trust. This study adopts a qualitative research approach by conducting in-depth interviews with zakat payers, zakat officers, and digital wallet users, supported by qualitative analysis of relevant documents and previous studies related to Islamic digital finance. The findings indicate that integrating digital wallets into e-zakat systems significantly improves transaction convenience by simplifying payment procedures, reducing time and physical barriers, and enabling real-time payment confirmation. Users perceive e-zakat platforms as more practical and efficient than conventional payment methods, particularly among urban and digitally literate communities. Trust increases when digital wallet providers collaborate with officially recognized zakat institutions and ensure transparency in transaction records. The study concludes that e-zakat payment systems supported by digital wallet integration contribute positively to the modernization of zakat management and increase public participation in zakat payments. Improving system reliability, user education, and compliance with Islamic principles remain essential for sustainable adoption and long-term implementation efforts worldwide today globally.