Main Article Content


Purpose − This study aims to analyze the effect of variable ease of use, usefulness, perceived risk, and social influence on a recommendation to use sharia e-wallet in Indonesia and Malaysia.
Methodology − This study uses a quantitative method. This study uses primary data by conducting a survey through an online questionnaire of 200 respondents with the criteria sharia e-wallet users and living in Indonesia or Malaysia. This research uses the SEM-PLS analysis method.
Findings − The results of this study found that variable ease of use, usefulness, and social influence significantly and positively affect the recommendation to use the sharia e-wallet. In contrast, the perceived risk has a negative effect on the recommendation to use a sharia e-wallet. Based on the Multi-Group Analysis (MGA) test, there is no significant difference between Indonesian and Malaysian users for all variables.
Originality − This study adds to the literature, especially on the factors influencing recommendation to use in sharia e-wallet. There are limited studies on this topic, especially for sharia e-wallets in Indonesia and Malaysia. The uniqueness of this research is that the primary data used includes respondents in various regions in Indonesia and Malaysia.
Practical implications − The results of this study can be used as a reference by the Islamic fintech industry to develop a sharia e-wallet both in terms of product, quality, and others to be better in the future.


Technology Perceived Ease of Use Perceived Usefulness TAM economic growth Islam Muslim User Intention to Use

Article Details

Author Biographies

Eka Rani Fitrianingsih, Faculty of Economics and Business, Universitas Airlangga, Surabaya, Indonesia


Bayu Arie Fianto, Faculty of Economics and Business, Universitas Airlangga, Surabaya, Indonesia


How to Cite
Fitrianingsih, E. R., & Fianto, B. A. (2022). Factors affecting recommendation to use of sharia e-wallet in Indonesia and Malaysia. Asian Journal of Islamic Management (AJIM), 4(1), 1–14.


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