CUSTOMER BEHAVIOUR TOWARD SHARIAH-COMPLIANT DIGITAL GOLD SAVING: CONCEPTUAL FRAMEWORK

Abstract

The results of the study are not significant, which is a gap that researchers should address in this paper. Previous studies have found that customers use bitcoin currency a lot in their digital gold savings. Researchers need to conduct a study on customer behavior in Shariah-compliant digital gold savings. For example, Exchange-Traded Funds (ETFs), Gold Investment Accounts (GIA), and Digital Gold Wallets. This is because bitcoin currency is not exchanged in the form of physical gold and has an element of gharar in its investment. The literature review also explains that market price modeling, bitcoin currency protection, and related phenomena. This is because bitcoin currency cannot be Ar-Rahnu to obtain the value of gold leased digitally to physical. This study aims to identify customer behavior in Shariah-compliant digital gold savings in Malaysia. Therefore, the theory used in this research is the Theory of Planner Behaviour (TPB) to measure the extent to which customers use digital gold platforms to saving gold that is Shariah-compliant.