Analysis of Consumer Decisions in Using Sharia-Based Digital Payment Services (Sharia E-Wallet)

This research explores the factors influencing consumer decisions in adopting Sharia-based digital payment services (Sharia e-wallets), a growing segment within the Islamic financial technology (fintech) sector. Amid the increasing digitization of financial services, understanding how Islamic values intersect with consumer behavior is crucial. Using a mixed-method approach, this study combines quantitative surveys and qualitative interviews with Muslim consumers to identify key drivers and barriers in the adoption of Sharia-compliant e-wallets. The results show that religious commitment, perceived trust, usability, and Sharia legitimacy significantly impact consumer choices. Conversely, limited awareness, lack of differentiation from conventional services, and perceived complexity hinder broader acceptance. The study offers practical implications for fintech developers, marketers, and policymakers in promoting inclusive, ethical, and faith-aligned digital financial solutions. Ultimately, this research contributes to the academic discourse on Islamic consumer behavior in the digital economy and supports the advancement of Sharia-based financial innovations.