“…Past studies have verified that behavioral intention is a valid indicator for customers' intention to select Islamic credit cards (Ali, Raza & Puah, 2017). To use online Islamic banking services (Mansour, Eljelly & Abdullah, 2016), to Adopt/use Islamic banking (Ayyub et al, 2019;Charag, Fazili & Bashir, 2019;Hoque et al, 2019;Kaabachi & Obeid, 2016;Thaker et al, 2019b) to buy Islamic banking products and services (Hoque, Nik Hashim & Azmi, 2018;Maryam, Mehmood & Khaliq, 2019;Thaker et al, 2020a), and customer loyalty towards Islamic banking (Suhartanto et al, 2019b).…”