https://journals.smartinsight.id/index.php/ISF <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> en-US [email protected] (SMART Insight) [email protected] (Hasna Luthfi Khairunnisa) Thu, 30 Apr 2026 09:14:51 +0000 OJS 3.3.0.8 http://blogs.law.harvard.edu/tech/rss 60 https://journals.smartinsight.id/index.php/ISF/article/view/742 <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> Devy Midayatus Shofa, Izra Berakon Copyright (c) 2026 Islamic Social Finance https://journals.smartinsight.id/index.php/ISF/article/view/742 Thu, 30 Apr 2026 00:00:00 +0000