Islamic Retail Banking Adoption in Malaysia: The Moderating Effect of Religion and Region

Thambiah, Seethaletchumy; Ismail, Hishamuddin; Ahmed, Elsadig Musa; Khin, Aye Aye

doi:10.3923/ijaef.2013.37.48

Cited by 16 publications

(24 citation statements)

References 15 publications

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“…As a result, bank customers are the most appropriate target population for this study. On the other hand, it is not possible to obtain the sampling frame because of banking regulations in Malaysia (Thambiah et al , 2013). Due to the fact that Bank and Financial Institutions Act 1989, do not allow customer information disclosure (Amin, 2012b; Ramayah et al , 2003, 2006), non-probability sampling is applied in this study.…”

Section: Methodsmentioning

confidence: 99%

“…Indeed, it yields advantages over other traditional methods. Potential adopters are eager to identify the degree that the new idea is better than the current one (Thambiah et al , 2013). In fact, possible adopters want to know if the new service, idea or product is better than the existing one (Thambiah et al , 2011b).…”

Section: Hypotheses Developmentmentioning

confidence: 99%

“…The more complex a service is to use, and the greater effort and skill needed to adopt it, the less to be expected that it will be accepted (Teo and Pok, 2003). Indeed, this concept has been measured related to perceptions about simplicity of the innovation attributes and its intended use and ease with which can be used (Gerrard and Cunningham, 2003; Thambiah et al , 2013). Indeed, it is hypothesized that complexity to be negatively linked to the adoption rate of an innovation (Corrigan, 2012; Rogers, 1995) as complexity of an innovation or product can function as an inhibitor for its successful implementation (Wang et al , 2010).…”

Section: Hypotheses Developmentmentioning

confidence: 99%

“…If customers have enough knowledge and information and as well its availability, the possibility of acceptance and using would be higher (Kasim and Wickens, 2018). In other words, when customer becomes aware of the product or service existence and at the same time has some initial knowledge about it, the rejection or adoption of an innovation occur (Thambiah et al , 2013).…”

Section: Hypotheses Developmentmentioning

confidence: 99%

See 3 more Smart Citations

Innovation diffusion theory and customers’ behavioral intention for Islamic credit card

Jamshidi

Kazemi

2019

JIMA

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Purpose One of the main challenge when launching new banking services is to overcome resistance to change so as to accelerate market acceptance. This is the case of an Islamic credit card (ICC). Grounded in innovation diffusion theory (IDT) and theory of reasoned action (TRA), this paper aims to study the purposes and empirically tests an integrated model to explore, which factors influence of ICC. Design/methodology/approach Partial least squares and structural equation modeling was used to assess the hypotheses. Accordingly, the empirical results, obtained in a sample of 762 bank customers. Findings Intentions to use of ICC are mostly determined by relative advantage, compatibility, customer awareness, satisfaction and attitude. The combination of IDT and TRA significantly explain the ICC adoption. Originality/value This research has provided a theoretical understanding of the ICC adoption determinants with the intent of promoting a more in-depth understanding of various elements influencing acceptance and usage of this Islamic banking service.

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Section: Methodsmentioning

confidence: 99%

Section: Hypotheses Developmentmentioning

confidence: 99%

Section: Hypotheses Developmentmentioning

confidence: 99%

Section: Hypotheses Developmentmentioning

confidence: 99%

See 2 more Smart Citations

Innovation diffusion theory and customers’ behavioral intention for Islamic credit card

Jamshidi

Kazemi

2019

JIMA

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“…A study by Thambiah et al (2013) also explains that religiosity is still an important factor in affecting customer's choices on Islamic banking. This is supported by Filfian (2015) that conducts a study in Saudi Arabia and finds that the service quality plays an important role in customer's decision making as well as the need that is related to religiosity.…”

Section: Introductionmentioning

confidence: 99%

Identifying the Factors Determining of Muslims’ Intention to Adopt Islamic Banking in the Local Region: Religiosity as Moderating Variable

Isnurhadi

Wahab

Muthia

et al. 2020

HSSR

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Purpose of the study: This paper investigates factors that influence the Muslims' intention to adopt Islamic banking and to examine whether religiosity moderates the effect of those factors toward the Muslim's intention to adopt Islamic banking in South Sumatera.Methodology: Primary data collected from six towns/districts in South Sumatera are obtained through questionnaires with the total respondents of 300. Using multiple regression analysis, we test whether attitude, social influence, bank reputation, and compliance on Islamic principles can affect the Muslims' intention in using Islamic banking. Main Findings:We further crosscheck our findings through an interview with some of the respondents. We find that attitude, reputation, and compliance affect the intention to adopt Islamic banking significantly, whereas social influence is found to be insignificant. Our further finding explains that religiosity, which is represented by the dimension of Syariah and Ahlaq, cannot moderate the effect of an independent variable on the dependent variable. Implications of this study:This implies that in increasing Islamic bank market share, managers of Islamic banks and also government cannot solely depend on religious factors. Our findings give insights to practitioners and regulators on what factors can affect Muslims' intention to use Islamic banking. Novelty/Originality of this study:This study contributes as it extends the existing literature, any factors influencing the interest and intention of the Muslim community to adopt sharia banking as their banking activities. Some studies look at the direct effect of religiosity toward Islamic banking, however, it is different from previous studies because we put religiosity as a moderating variable.

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Promoting the Adoption of Islamic Microfinance in Nigeria: The Moderating Role of Religiosity

Abdullahi¹,

Othman²,

Kassim³

2023

Lecture Notes in Networks and Systems

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Islamic Retail Banking Adoption in Malaysia: The Moderating Effect of Religion and Region

Cited by 16 publications

References 15 publications

Innovation diffusion theory and customers’ behavioral intention for Islamic credit card

Innovation diffusion theory and customers’ behavioral intention for Islamic credit card

Identifying the Factors Determining of Muslims’ Intention to Adopt Islamic Banking in the Local Region: Religiosity as Moderating Variable

Promoting the Adoption of Islamic Microfinance in Nigeria: The Moderating Role of Religiosity

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