The Role of Islamic Financial Literacy in the Adoption of Digital Financial Services: A Bibliometric Analysis and Literature Review

Indri Indri, Zaenafi Ariani, Nur Fitri Hidayanti, Ahadiah Agustina, Ahmad Hulaimi, Novi Yanti Sandra Dewi

Abstract


Abstract: This study aims to examine the role of Islamic financial literacy in encouraging the adoption of digital financial services through a library research approach with an integrative review method. This review synthesizes findings from various scholarly articles published between 2015 and 2024 and obtained from trusted databases such as Google Scholar, Scopus, DOAJ, and Scispace. Strict inclusion and exclusion criteria were applied to ensure the relevance and quality of the sources. The analysis shows that Islamic financial literacy plays an important role in shaping trust and encouraging the use of sharia-based digital financial services. The understanding of sharia principles such as the prohibition of usury, fairness and transparency is a crucial factor in the adoption process. However, the study also found literacy gaps and limited access to education in some regions. This study highlights the importance of strengthening Islamic financial literacy as a foundation for the development of an inclusive and sustainable Islamic digital finance ecosystem. The findings provide practical implications for regulators, service providers and stakeholders in designing educational strategies and policies based on Islamic values.

Keywords


Literasi Keuangan Islam, Layanan Keuangan Digital, Integrative Review, Adopsi Teknologi, Keuangan Syariah.

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References


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