This study analyzes technology readiness and millennial perceptions in adopting digital payments for zakat, infaq, and sadaqah (ZIS). Using the Technology Readiness and Acceptance Model (TRAM) and PLS-SEM analysis, the research aims to identify factors influencing the use of technology in Islamic social fund collection.

One of the obligatory practices for Muslims is paying zakat. Linguistically, zakat means purification, signifying that a portion of one’s wealth is the right of others. Indonesia, as the country with the largest Muslim population in the world, holds significant potential for raising social funds through zakat, along with infaq and sadaqah. The fundamental differences between zakat, infaq, and sadaqah lie in the minimum amount of wealth required (nisab), the minimum ownership period (haul), and the designated recipients. Zakat recipients are categorized into the eight asnaf. In Indonesia, there are many zakat management organizations (LAZ) that collect social funds in the form of zakat, infaq, and sadaqah (ZIS). Some of them have adopted technology in their collection systems. However, the use of technology has not yet helped achieve the expected ZIS collection targets. According to national zakat statistics published by BAZNAS in 2019, total ZIS funds collected by all LAZs in Indonesia amounted to only 10.2 trillion rupiah, while the potential zakat value is estimated at 232 trillion rupiah. This indicates that only 4.3% of the potential was realized. This study aims to analyze technology adoption behavior in relation to digital ZIS payments. The research employs the Technology Readiness and Acceptance Model (TRAM). Data were collected through questionnaires distributed to Muslim communities in Indonesia and Thailand categorized as millennials. The data were then analyzed using Partial Least Square Structural Equation Modelling (PLS-SEM) with the SmartPLS application. The findings of this study will be published in a reputable international journal (Q3).