DEVELOPMENT AND VALIDATION OF A SHARIAH-COMPLIANT DIGITAL GOLD SAVINGS USAGE BEHAVIOUR INSTRUMENT: CONTENT VALIDITY ANALYSIS AND PILOT STUDY
DOI:
https://doi.org/10.35631/IJMTSS.934003Keywords:
Digital Gold Savings, Shariah-Compliant, Content Validity Index (CVI), Customer Usage Behaviour, Islamic FintechAbstract
This study aims to validate and develop a questionnaire instrument to measure customer usage behaviour towards Shariah-compliant digital gold savings. Fintech innovations are growing but face challenges in perception of Shariah compliance. By integrating the Theory of Planned Behaviour (TPB) and Technology Acceptance Model (TAM), this study conducted a content validity assessment through five experts and reliability testing through a pilot study of 30 respondents. The findings indicate that the questionnaire instrument demonstrates excellent psychometric quality. Overall Content Validity Index (S-CVI) score of 0.91 and a high Cronbach's Alpha reliability value of 0.956. This result shows that the measurement items are very relevant and show strong internal consistency. In conclusion, this instrument is valid and reliable for use by researchers in large-scale studies to understand the factors driving the adoption of digital gold. The implications of this study provide significant contributions to the Islamic finance literature and help financial institutions devise more effective strategies in promoting Shariah-compliant investment products.
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