https://journals.smartinsight.id/index.php/ISF/issue/feed 2026-04-30T09:16:36+00:00 SMART Insight [email protected] Open Journal Systems <p>Islamic Social Finance (ISF) is a scientific publication published by SMART Insight which is under the research institute SMART Indonesia. Sharia Economic Applied Research and Training (SMART) is a research institution in Indonesia that focuses on research on Islamic economics and finance. Islamic Social Finance published two (2) times in 1 year with scope on zakat, waqf, takaful, and Islamic social finance in general.</p> https://journals.smartinsight.id/index.php/ISF/article/view/742 2026-04-30T09:16:36+00:00 Devy Midayatus Shofa [email protected] Izra Berakon [email protected]

<p>This study aims to examine the influence of Islamic financial literacy, perception of convenience, and hedonism on Islamic financial behavior in the use of digital wallets whether there is a difference in interest in using services between men and women. The source of data for this study is primary data obtained from distributing questionnaires, in this study as many as 190 respondents with the purposive sampling method. The object of this research is a Muslim student who lives in Yogyakarta. The analysis used in this study is PLS-SEM using WARP-PLS software with the gender Multi Group Analysis (MGA) method. The results of the study show that Islamic financial literacy has a significant positive effect on the behavior of using digital wallets. Meanwhile, the perception of convenience and hedonism have a significant positive effect on the behavior of using digital wallets. And there is no difference between men and women in the behavior of using digital wallets seen from the factors of Islamic financial literacy, perception of convenience, and hedonism.</p>

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