Determinants of Behavioral Intention and Usage of Crowdfunding Platform Behavior at the National Zakat Agency (Baznas): UTAUT Model Approach 3

Abstract

This study aims to determine the effect of the factors Performance Expectancy, Effort Expectancy, Social Influence, Facilitating Condition, Hedonic Motivation, Price Value, Habit, Personal Innovativeness Behavioral Intention and Behavioral Usage using the BAZNAS Crowdfunding Platform. This study uses a quantitative approach with Structural Equation Modeling–Partial Least Squares (SEM-PLS) analysis. The population of the study were users of the Crowdfunding Platform in the Jabodetabek area, with a sample of 100 respondents taken through the non-probability purposive sampling method. Data were collected through online questionnaires and analyzed using SmartPLS 4.0. The results showed that performance expectancy, personal innovativeness, and social influence had a significant effect on behavioral intention, while price value and facilitating conditions did not have a significant effect. In addition, the habit variable also had no significant effect on behavioral usage. This study contributes to broadening the understanding of the adoption of digital payments using the Crowdfunding Platform, especially among the younger generation by considering technological and social factors.