Socio-cultural Factors Influencing Consumer Adoption of Online Transactions

Jamal, A.S.; Ahmed, A

doi:10.1109/wcmeb.2007.60

Cited by 8 publications

(5 citation statements)

References 17 publications

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“…When people are offered different options to choose, people tend to choose the one with higher appraisal of attitude (Arvola et al , 1999). Many previous studies have proven that attitude influences choice of products or services (Md Taib et al , 2008; Jamal and Ahmed, 2007; George, 2002).…”

Section: Literature Review and Hypotheses Developmentmentioning

confidence: 99%

Factors that influence individuals’ intentions to purchase family takaful mediating role of perceived trust

Aziz¹,

Husin²,

Hussin³

et al. 2019

APJML

103

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Purpose The purpose of this paper is to investigate the factors that affect one’s attitude and intentions towards family takaful schemes, apart from evaluating the mediating role of perceived trust in the relationship between perceived religiosity and attitude towards family takaful. Most prior studies have considered religiosity as an individual’s tendency to be religious. However, the present study employed perceived religiosity as one’s perception regarding shariah compliance practices of family takaful schemes. Moreover, this study examines the direct relationship between perceived religiosity and attitude and the indirect relationship between perceived religiosity and trust. Design/methodology/approach A sample of 224 salaried individuals was selected with an age range of 24–50. Variance-based partial least squares structural equation modelling was employed for data analysis. Findings The results showed that knowledge and perceived usefulness (PU) had significantly positive relationships with attitude towards family takaful schemes. Perceived trust completely mediated the relationship between perceived religiosity and attitude towards family takaful. Attitude was positively related to purchase intention regarding family takaful. Practical implications The findings of the study are important for Islamic financial institutions, especially for takaful companies to revamp their marketing strategies. With enhanced understanding regarding consumer behaviour, takaful companies can sell their products in a more effective manner to increase their market share. Originality/value Behavioural aspects regarding the purchase of Islamic insurance products have yet to be profoundly explored in the literature. The indirect relationship between perceived religiosity and trust is established in this study. The study contributes to the field of consumer behaviour and marketing of Islamic financial products.

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Section: Literature Review and Hypotheses Developmentmentioning

confidence: 99%

Factors that influence individuals’ intentions to purchase family takaful mediating role of perceived trust

Aziz¹,

Husin²,

Hussin³

et al. 2019

APJML

103

View full text Add to dashboard Cite

show abstract

“…Nobles et al (2019) claimed that health insurance literacy is significant to verify that people can accurately make decisions about purchasing health insurance products/services. The literature depicts that both attitude and perceived usefulness have a significant effect on intention (Jamal & Ahmed, 2007), while perceived behavioral control and subjective norm exert a positive impact on purchase intention (Shin & Hancer, 2016). Shao et al (2004) and Karim et al (2011) reported that purchase intention is linked with one's willingness to purchase a particular product/service.…”

Section: The Mediating Effect Of Intention To Purchase Health Insurancementioning

confidence: 99%

Predicting the Intention and Purchase of Health Insurance Among Malaysian Working Adults

et al. 2021

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This study explored the effects of insurance literacy, perceived usefulness, attitude toward health insurance, subjective norm, and perceived behavioral control on the intention to purchase and the actual purchase of health insurance among working adults in Malaysia. This quantitative study adopted the cross-sectional design with data gathered from 1,308 working adults through a Google form link shared in social media. Upon analysis, the outcomes revealed that insurance literacy, perceived usefulness, attitude toward health insurance, subjective norm, and perceived behavioral control exerted a significantly positive effect on the intention to purchase health insurance. Intention to purchase health insurance exhibited a significantly positive impact on actual purchase of health insurance. Empirically, intention to purchase health insurance yielded a significantly positive mediating effect. Based on the multi-group analysis (MGA), the perceived behavioral control was significantly stronger among rural respondents than urban respondents, as well as among respondents with a bachelor degree than those with secondary school certificate. Referring to the retrieved empirical outputs, financial and health management policymakers, as well as insurance companies in Malaysia should concentrate more on the positive attributes of health insurance in order to improve the attitude of Malaysian working adults toward insurance and insurance literacy.

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“…When people are offered with different options to choose, people opt the one which has a higher consideration (Arvola, Lähteenmäki, & Tuorila, 1999). Previous literature has proved that attitude influences the choice of products or services (Jamal & Ahmed, 2007;Taib, Ramayah, & Razak, 2008).…”

Section: Attitude and Intentionmentioning

confidence: 99%

Behavioral Intention to Adopt Islamic Banking in Pakistan: A Study Based on Theory of Planned Behavior

Aziz¹,

Afaq²,

Bashir³

2018

J. Islam. bus. manag.

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The current study aims to examine the behavioural intentions to adopt Islamic banking in Pakistan. The proposed model is grounded on 'Theory of Planned Behaviour (TPB)' which is widely applied in consumer behaviour studies. This theory comprises behavioural, normative and control belief structures which shape consumers' intentions. The data collection was carried out from two cities of Pakistan, Islamabad and Rawalpindi, through survey from 186 individuals. For data collection, non-probability, judgmental sampling technique has been used. The data has been analysed by using Partial Lease Squares Structural Equation Modelling (PLS-SEM) technique. The result of the study reveals that behavioural, normative and control beliefs are significant determinants of adoption of Islamic banking in Pakistan. It has been found that behavioural beliefs are very important for Islamic banking adoption. However, control beliefs appear to be the most significant in adoption of Islamic banking.

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Socio-cultural Factors Influencing Consumer Adoption of Online Transactions

Cited by 8 publications

References 17 publications

Factors that influence individuals’ intentions to purchase family takaful mediating role of perceived trust

Factors that influence individuals’ intentions to purchase family takaful mediating role of perceived trust

Predicting the Intention and Purchase of Health Insurance Among Malaysian Working Adults

Behavioral Intention to Adopt Islamic Banking in Pakistan: A Study Based on Theory of Planned Behavior

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