Determinants of Islamic banking adoption among non-Muslim customers in a Muslim zone

Ezeh, Precious Chikezie; Nkamnebe, Anayo D.

doi:10.1108/jiabr-10-2021-0280

Cited by 12 publications

(12 citation statements)

References 38 publications

(127 reference statements)

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“…This phenomenon robust the demand for brands, products and services compliant with their culture and religion (Aji and Muslichah, 2022; Hati et al , 2021; Jan and Shafiq, 2021; Sandikci, 2018). In the region with Muslims as a minority, such as Thailand, social influence and trust have a crucial role to influence people to adopt Islamic bank (Ezeh and Nkamnebe, 2022). Besides, in some Muslim countries, banking and financial assistance have become a massive development sector (Jan and Shafiq, 2021; Junaidi, 2021; Mindra et al , 2022) and a vast of Muslims have a strong commitment to Halal products and services due to provided by Islamic rule, which is permissible (halal) and prohibited (Haram).…”

Section: Introductionmentioning

confidence: 99%

Religiosity versus profit-loss sharing: how Islamic banks brand fidelity influence the Muslim consumers’ commitment

Junaidi

2022

JIABR

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Purpose The purpose of study examine the relationship between religiosity, consumers’ materialism, brand fidelity, attitude and consumers’ commitment to Islamic banking products using evidence from Indonesia. Design/methodology/approach The sample consists of 658 Muslim and bank consumers obtained through a survey study and using structural equation modeling to test the research hypotheses. Findings The empirical results indicate that religiosity has significant and positive effects on consumers’ materialism, brand fidelity and attitude, also mediating variables. Furthermore, the mediator variables partially mediate religiosity and consumers’ commitment based on consumers’ culture theory. Research limitations/implications This study is validated by Indonesian Muslims; therefore, future study is required to analyze across the culture and region. It can help Islamic bank managers and scholars to observe the correlation between religion, Islamic banks products and Muslims’ commitment. Practical implications The current study enlightened the consumers’ Islamic bank principle operation from marketing and religiosity. The government and the shariah supervisory board need to enhance the control and promote to make sure that Islamic banking operations have compliant with Islamic law. Originality/value The result of this study provided the Muslim decision-making process by developing and testing a model of religious determinants toward Islamic bank products.

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Section: Introductionmentioning

confidence: 99%

Religiosity versus profit-loss sharing: how Islamic banks brand fidelity influence the Muslim consumers’ commitment

Junaidi

2022

JIABR

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“…Trust significantly influences intention due to consumers' conviction that banking schemes will transparently disclose all pertinent information to them while maintaining a steadfast commitment to their optimal welfare. Moreover, Islamic banking schemes are safer than conventional banking schemes (Ezeh & Nkamnebe, 2022). Since customers view trust as a crucial component before utilising banking products, further results also demonstrate an increased intention to adopt (Ali et al, 2021).…”

Section: Determinants Of Intention To Use Banking Productsmentioning

confidence: 84%

“…The subjective well-being construct uses four items, as shown in Appendix A, which consist of (Prentice & Loureiro, 2018;Zhou et al, 2020); ideal self-concept uses five items (Jeong & Jang, 2018;Y. Li et al, 2022;Zogaj et al, 2021); utilitarian motivation uses five items (Bae & Jeon, 2022;Ho et al, 2020;Sumarliah et al, 2022); trust uses five items (Ezeh & Nkamnebe, 2022;Guo et al, 2018;Tabrani et al, 2018) and intention to use four items (Albaity & Rahman, 2019;Ayyub et al, 2020). For them to be properly processed as model control variables, the questionnaire also asked respondents to provide details about their background characteristics, such as gender and the type of sharia savings they utilized.…”

Section: Methodsmentioning

confidence: 99%

How Utilitarian Motivation and Trust Can Increase Intention to Use Based on Functional Attitude Theory

Marsasi,

Albari,

Muthohar

2023

J. Professional Business Review

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Purpose: This study aims to determine consumers' motivations for using banking and their characteristics as users of banking products and gender. Theoretical Framework: The conceptual framework for this study was formulated through a comprehensive review of the existing literature. This research shows that trust and ideal self-concept have an impact on consumer motivation. Furthermore, gender and banking product category moderate this relationship. Design/Methodology/Approach: This study used a quantitative approach. Purposive sampling was used and tested using structural equation modeling on 295 respondents. Findings: This study shows that utilitarian motivation as a core variable influences ideal self-concept and trust. Thus, the intention to adopt banking products is influenced by the independent variables. In addition, this study found a correlation between multigroup analysis and consumer characteristics, including gender and savings type. Research, Practical & Social implications: The results of this study indicate that subjective well-being negatively affects the intention to use banking products. Thus, further research is expected to use multigroup, single-double consumers for banking products. Companies should use the extensive data systems available and collaborate by interacting directly with consumers regarding what they need and complain about. These answers from consumers can be used by companies to improve their motivation and well-being. Originality/Value: This study tested multiple groups to identify gender differences and the type of banking products consumers use as control variables.

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“…In Malaysia, Muslims and non-Muslims have great loyalty and positive attitudes towards banking and IF (Thaker et al, 2020). In the perception of Suhartanto (2019) and Ezeh and Nkamnebe (2022), trust has a meaningful correlation with the adoption of Islamic banking among non-Muslim customers and behavioural intention in Nigeria. The study of Dandis and Wright (2020) assumes an insignificant association between tangibles and attitudinal loyalty.…”

Section: Loyalty and Intention To Adopt Islamic Financementioning

confidence: 99%

Intention to adopt Islamic finance through the mediation of attitudes towards Islamic finance

Shah

Bhatti

Anwar

et al. 2023

JIABR

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Purpose This paper aims to explore the intention to adopt Islamic finance (ItIF) through the mediation of attitudes towards Islamic finance among microbusiness owners of Pakistan. Design/methodology/approach The study is co-relational and based on cross-sectional data. The authors gathered the data from microbusiness owners through a survey questionnaire. The authors used 236 valid cases to assume the outcomes. Findings The results through structural equation modeling reveal a significant positive effect of the perception of Shariah compliance (PoSC), knowledge of the Islamic financial system (KoIF), religious preferences (RP) and loyalty on ItIF. Furthermore, attitude towards Islamic finance (AtIF) is a potent factor in developing the relationship between PoSC, KoIF, RP, loyalty and ItIF. Practical implications The study’s findings would be helpful for planners and policymakers in developing policies that favourably enhance the attitudes and intentions among individuals towards Islamic financing. The results would inspire readers to go to Islamic finance and an interest-free financial system enriched with Shariah law or Islamic obligations. The study would provide implications for the financial institutions in Pakistan and the rest of the Muslim world. Originality/value The study offers an apparent thoughtfulness of the empirical evidence from microbusiness owners of Pakistan. The study would provide a plausible mediating contribution of AtIF.

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Determinants of Islamic banking adoption among non-Muslim customers in a Muslim zone

Cited by 12 publications

References 38 publications

Religiosity versus profit-loss sharing: how Islamic banks brand fidelity influence the Muslim consumers’ commitment

Religiosity versus profit-loss sharing: how Islamic banks brand fidelity influence the Muslim consumers’ commitment

How Utilitarian Motivation and Trust Can Increase Intention to Use Based on Functional Attitude Theory

Intention to adopt Islamic finance through the mediation of attitudes towards Islamic finance

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