Peran Platform Digital Dalam Manajemen Penghimpunan Dana Zakat Infaq dan Sedekah

Abstract

The rapid advancement of digital technology has transformed the management of Zakat, Infaq, and Sadaqah (ZIS), particularly in fundraising activities conducted by Zakat Management Organizations (ZMOs). This study aims to analyze the role of digital platforms in improving the effectiveness and efficiency of ZIS fundraising management while identifying the challenges and strategic approaches required for sustainable digital transformation. This research employed a qualitative approach using the Systematic Literature Review (SLR) method. The data were collected from SINTA- and Scopus-indexed journal articles, official reports, reference books, and regulations related to the digitalization of ZIS management. Data were analyzed using content analysis through data reduction, data presentation, and conclusion drawing. The findings reveal that digital platforms, including mobile banking, QRIS, e-wallets, payment gateways, and crowdfunding, significantly improve operational efficiency, accelerate transaction processes, expand fundraising coverage, and strengthen transparency and accountability in ZIS management. The success of digital transformation is influenced by users' perceived usefulness and perceived ease of use as explained by the Technology Acceptance Model (TAM), while the implementation of data-driven Customer Relationship Management (CRM) enhances long-term relationships between Zakat Management Organizations and muzakki (donors). Nevertheless, digital transformation continues to face several challenges, including cybersecurity risks, personal data protection, digital literacy disparities, and limited technological infrastructure. Therefore, successful digitalization requires strengthened organizational governance, enhanced human resource capacity, robust information security, and adherence to Islamic principles to establish an effective, transparent, adaptive, and sustainable ZIS management system.