"This study aims to analyze the influence of ease of use and security on the
decision to use digital wallets, with Maqashid Shariah as a moderating
variable among the community of Jambi City. The research approach used
is descriptive quantitative with a cross-sectional method. The population in
this study is the Muslim community in Jambi City, totaling 569,139 people,
with a sample size of 154 respondents determined through Hair's formula
and selected using purposive sampling techniques across 11 sub-districts.
Data analysis technique utilizes Structural Equation Modeling-Partial Least
Squares (SEM-PLS) through the evaluation of the outer model and inner
model. The moderating variable, Maqashid Shariah, is measured based on
Abdul Majid al-Najjar's concept which encompasses four main dimensions:
securing the value of human life, securing the human self, securing society,
and preserving the physical environment.
The results show that the perception of ease of use has a positive and
significant influence on the decision to use digital wallets with a path
coefficient value of 0.296, and security has a positive and significant
influence on the decision to use digital wallets with a path coefficient value
of 0.343. Meanwhile, Maqashid Shariah is proven to be able to moderate by
strengthening the influence of ease of use and security on the decision to
use digital wallets. These findings confirm that for the religious community
of Jambi City, considerations of benefit (maslahah) and shariah compliance
serve as both important drivers and filters in adopting financial technology
in the Society 5.0 era."