Does Product Knowledge Affect Intention To Use Islamic Banking? The Role of Corporate Image, Product Quality, and Religiosity

Abstract

The purpose of this research is to investigate and build a model of the influence of product knowledge, product quality, and level of religiosity through the corporate image in increasing intention to use Islamic banking products in small and medium enterprises that support halal tourism. The development of halal tourism should be an opportunity for Islamic banks to support the development of halal tourism. To increase economic growth in Indonesia through Islamic banking, Islamic banks must further increase public intention to use their products and services. This research is associative, and the population used was business actors supporting halal tourism in Lombok. Data collection used a survey method with questionnaires distributed to 200 respondents. The questionnaires were then processed and analyzed using Structural Equation Modeling with Amos 22 software. The results of this study are that the image of Islamic banking has no positive effect on the intention to use Islamic banking products, religiosity has a positive and significant effect on the intention to use Islamic banking products, and product quality has a positive and significant effect on the intention to use Islamic banking products.

Do customers’ perceptions of Islamic banking services predict satisfaction and word of mouth? Evidence from Islamic banks in Bangladesh

“…Kaawaase and Nalukwago [28] investigated that there is a direct effect between religiosity and customers' perception of Islamic banking services in Uganda. Likewise, there is also a significant direct effect between religiosity and customers' perception of Islamic banking services [29]. Religiosity, perception, and attitude have positive links to different Islamic banking services.…”

“…This association is measured using four items modified from Hadi and Muwazir [25], also Ezeh and Nkamnebe [26]. To measure the religious value of customers' views about Islamic banking services, three items were adapted from Kaawaase and Nalukwago [28], as well as Yasin et al [29]; whereas four items were modified from Dusuki and Abdullah [35] to evaluate the benefit of Islamic banking services. Four items were modified from Zeshan [18] and Butt et al [39] to measure the security issues of Islamic banking services.…”

Determinants of Intention of Using Mortgage in Financing Home Ownership in Surabaya

“…As a result, consumers with higher product knowledge tend to rely on intrinsic cues rather than stereotypes to make assessments on product quality, because they realize the importance of product information (Lin & Lin, 2007;Khairunnisa & Hendratmi, 2019). Livette (2006) and Yasin, Surati, & Herman (2021) proved that product knowledge affects a person's intention to receive and use financing products. and Business Application, 10, 1 (2021): 55-68 Religiosity is a factor which guides the consumption habits of the society and at the same time has an effect on product usage, as consumers from various religions are pushed to comply with their respective religion in choosing products (Essoo & Dibb, 2004;Conklin, Diop, & Qiu, 2021).…”

“…An individual will consider buying a product if the product does not violate the principles his religion holds. Religiosity significantly affects the intention to use mortgage (Alam, Janor, Zanariah, Wel, & Ahsan, 2012;Hamid & Masood, 2011;Yasin, Surati, & Herman, 2021). H5: Religiosity significantly affects the intention to use mortgage…”

Kepercayaan merek, pengetahuan mengenai fintech, keamanan, dan kenyamanan dalam memprediksi penggunaan jasa digital banking di Kepulauan Riau

“…Faktor lain yang berpengaruh terhadap penggunaan jasa digital banking adalah pengetahuan mengenai fintech (Mallombasang et al, 2020). Pada umumnya, pengguna dengan tingkat product knowledge yang tinggi memiliki kriteria yang lebih kompleks, untuk memilih suatu produk, dibandingkan dengan konsumen dengan product knowledge yang rendah (Yasin et al, 2021).…”