Lecturers from the Sharia Financial Management Study Program, Faculty of Islamic Economics and Business (FEBI), UIN Sunan Kalijaga Yogyakarta, have achieved a significant milestone with their research being accepted and published in a reputable international journal indexed by Scopus (Q2) and Emerging Source Citation Indexes (Web of Science). The research, entitled “Understanding Muslim’s Switching from Cash to M-Payments: Based on Push-Pull-Mooring Framework,” successfully underwent a rigorous review process and was published in the Journal of Islamic Marketing by Emerald Publishing Ltd. The study has been recognized by the Indonesian Ministry of Religious Affairs with an award in the Cluster of Indexed Scientific Publications in International Databases. This achievement demonstrates the dedication and scholarly contributions of the lecturers in advancing knowledge in Sharia finance and management, further enhancing the reputation of the Ministry of Religious Affairs and UIN Sunan Kalijaga Yogyakarta as leading institutions in promoting Islamic intellectual heritage.
The research conducted by Rizaldi Yusfiarto, M.M., Dr. cand Sunarsih, and Dr. Darmawan has been disseminated among the internal and external academic community of UIN Sunan Kalijaga. Overall, the findings of this study indicate that individuals prefer using payment applications over carrying cash. The primary reason for this preference is the perceived ease and comfort associated with using such applications. However, this is not the only factor; some are also influenced by cost considerations and their religious commitments. Additionally, the high costs associated with switching to a new payment method may deter some individuals from adopting these applications. These costs include administrative fees, usage fees, or other additional expenses that may be required to adopt digital payment applications. Furthermore, the costs may also encompass potential losses resulting from the transition, such as the time and effort needed to learn and adapt to new technology, as well as potential losses or security risks associated with digital payments. For those who are highly religious, they tend to prefer payment methods that align with Islamic principles in transactions. Therefore, it can be concluded that the decisions regarding the use of financial technology are influenced by various factors, including beliefs and comfort.