A Conceptual Framework of the Factors Affecting Customer Attitude towards Islamic Banking in Malaysia
Keywords:
Islamic Banking, Awareness, Shariah Compliance, Individualism, Image.
Abstract
Ever since the establishment of the first Islamic bank in the country, Islamic banks in Malaysia have been facing stiff competition against the conventional banks. Despite the dominance of Muslims in the population of the country, not all Muslims have subscribed to Islamic banking products and services. It is important to identify the factors that customer attitude towards Islamic banking in the country. Therefore, this research aims to explore the factors that could affect customer attitudes towards Islamic banking in Malaysia. Hence, this research presents a conceptual framework on the effect of awareness, Shariah compliance, individualism, and image on customer attitude towards Islamic banking. Research hypotheses are proposed based on the theorised relationship among the variables in this research. Significant effects are expected between awareness, Shariah compliance, individualism, image, and customer attitude towards Islamic banking. This research highlights the importance of Islamic banks to influence awareness, Shariah compliance, individualism, image, and customer attitude to enhance customer attitude towards them in the highly competitive banking industry.
Downloads
Download data is not yet available.
References
Abdel-Gadir, S., & Billah, M. M. (2025). Investigating the key drivers of client affiliation to Islamic banking in Oman. Journal of Islamic Marketing, 16(1), 82-103.
Abdurrahman, A., Athaillah, M. A., Janwari, Y., & Meiza, A. (2025). Examining factors affecting the acceptance of Islamic mobile banking services in Indonesia: Insights into technology, customer behaviour, and Shari’ah compliance. International Journal of Islamic Finance and Sustainable Development, 17(1), 4-28.
Adesina, A. & Ayo, C. K. (2010). An empirical investigation of the level of users’ acceptance of e-banking in Nigeria. Journal of Internet Banking and Commerce, 15(1), 1-13.
Ahmad, N., & Haron, S. (2002). Perceptions of Malaysian corporate customers towards Islamic banking products & services. International Journal of Islamic Financial Services, 3(4), 1-16.
Ajzen, I., & Fishbein, M. (1980). Understanding attitudes and predicting social behavior. Prentice-Hall.
Akinyemi, I. O., Asani, E. O., & Adigun, A. A. (2013). An investigation of users’ acceptance and satisfaction of the e-banking system as a Panacea towards a cashless economy in Nigeria. Journal of Emerging Trends in Computing and Information Sciences, 4(12), 954-963.
Al-Faruqi, I. R. (1992). Al Taw??d: Its implications for thought and life. International Institute of Islamic Thought.
Ali, S. A., Hassan, A., Juhdi, N., & Razali, S. S. (2018). Employees’ attitude towards Islamic banking: Measurement development and validation. International Journal of Ethics and Systems, 34(1), 78-100. https://doi.org/10.1108/IJOES-05-2017-0070
Amin, H. (2013). Factors influencing Malaysian bank customers to choose Islamic credit cards: Empirical evidence from the TRA model. Journal of Islamic Marketing, 4(3), 245-263. https://doi.org/10.1108/JIMA-02-2012-0013
Amin, H. (2017). Consumer behaviour of Islamic home financing: Investigating its determinants from the theory of Islamic consumer behaviour. Humanomics, 33(4), 517-548. https://doi.org/10.1108/H-12-2016-0102
Amin, H., & Abdul Hamid, M. R. (2018). Patronage factors of tawarruq home financing in Malaysia. International Journal of Business and Society, 19(3), 660-677. https://eprints.ums.edu.my/id/eprint/25162/7/Patronage%20Factor%20of%20Tawarruq%20Home%20Financing%20in%20Malaysia%201.pdf
Arshad, T., Zahra, R., & Draz, U. (2016). Impact of customer satisfaction on image, trust, loyalty, and the customer switching behavior in conventional and Islamic banking: Evidence from Pakistan. American Journal of Business and Society, 1(3), 154-165. https://www.eajournals.org/wp-content/uploads/Consumer-Behaviour-Towards-Islamic-Banking-in-Pakistan.pdf
Ayinde, L. O., & Echchabi, A. (2012). Perception and adoption of Islamic insurance in Malaysia: An empirical study. World Applied Sciences Journal, 20(3), 407-415.
Bank Islam Malaysia Berhad. (n.d.). Our history. https://www.bankislam.com/corporate-info/resources/our-history/#:~:text=The%20bank%20was%20formed%20after,workforce%20of%20more%20than%204%2C500.
Bank Negara Malaysia. (n.d.). Financial sector participants directory. https://www.bnm.gov.my/regulations/fsp-directory
Bashir, I., & Madhavaiah, C. (2015). Consumer attitude and behavioural intention towards Internet banking adoption in India. Journal of Indian Business Research, 7(1), 67-102. https://doi.org/10.1108/JIBR-02-2014-0013
Campbell, M. J., Machin, D., & Walters, S. J. (2007). Medical statistics: A textbook for the health sciences (4th ed.). John Wiley and Sons.
Chinomona, R. (2016). Brand communication, brand image, and brand trust as antecedents of brand loyalty in Gauteng Province of South Africa. African Journal of Economic and Management Studies, 7(1), 124-139. https://doi-org.uitm.idm.oclc.org/10.1108/AJEMS-03-2013-0031
Davis, F. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly, 13(3), 319-339. https://doi.org/10.2307/249008
Debling, F. (2000). ‘On-brand banking’: An examination of the factors contributing to effective branding and brand development through direct marketing in the consumer financial services sector. Journal of Financial Services Marketing, 5(2), 150–173. https://doi.org/10.1057/palgrave.fsm.4770015
de Chernatony, L. & Cottam, S. (2006). Internal brand factors driving successful financial services brands. European Journal of Marketing, 40(?), 611-633. https://doi.org/10.1108/03090560610657868
Donthu, N., & Yoo, B. (1998). Cultural influences on service quality expectations. Journal of Service Research, 1(2), 178-186. https://doi.org/10.1177/109467059800100207
Earley, P. C. (1989). Social loafing and collectivism: A comparison of the United States and the People's Republic of China. Administrative Science Quarterly, 34(4), 565-581. https://doi.org/10.2307/2393567
El-Halaby, S., Hussainey, K., & Al-Maghzom, A. (2017). Multi-disclosures in the context of national cultures: Evidence from Islamic banks. Advances in Accounting Behavioral Research, 20, 117-157. https://doi.org/10.1108/S1475-148820170000020005
Erol, C., & El?Bdour, R. (1989). Attitudes, behaviour, and patronage factors of bank customers towards Islamic banks. International Journal of Bank Marketing, 7(6), 31-37. https://doi.org/10.1108/02652328910132060
Eshagi, M. S., Ranjbarian, B., & Ansari, A. (2022). The image and customer well-being stem from banking activities. Journal of Islamic Marketing, 13(8), 1807-1825. https://doi-org.uitm.idm.oclc.org/10.1108/JIMA-10-2020-0314
Fang, E. S. (2016). Three decades of repackaging Islamic finance in international markets. Journal of Islamic Marketing, 7(1), 37-58 https://doi-org.uitm.idm.oclc.org/10.1108/JIMA-10-2014-0067
Fishbein, M., & Ajzen, I. (1975). Belief, attitude, intention, and behavior: An introduction to theory and research. Addison-Wesley.
Furrer, O., Liu, B. S.-C., & Sudharshan, D. (2000). The relationships between culture and service quality perceptions: Basis for cross-cultural market segmentation and resource allocation. Journal of Service Research, 2(4), 355-371. https://doi.org/10.1177/109467050024004
Gambling, T. E., & Karim, R. A. A. (1986). Islam and ‘Social Accounting’. Journal of Business Finance & Accounting, 13(1), 39-50. https://doi.org/10.1111/j.1468-5957.1986.tb01171.x
Hamadou, I., Hamidi, M. L., & Yumna, A. (2025). Potential customers’ intention to use Islamic banking products in Cameroon: The mediating effect of attitude. Journal of Islamic Marketing, 16(2), 373-401.
Hamzah, N., Mohd Ishak, N., & Mohd Nor, N. I. (2015). Customer satisfaction with the Islamic banking system. Journal of Economics, Business and Management, 3(1), 140-144. https://doi.org/10.7763/JOEBM.2015.V3.170
Haque, A., Osman, J., & Ismail, A. Z. H. (2009). Factors influencing selection of Islamic banking: A study on Malaysian customer preferences. American Journal of Applied Sciences, 6(5), 922-928. https://doi.org/10.3844/ajassp.2009.922.928
Haque, A., Shafiq, A., & Maulan, S. (2017). An approach to Islamic consumerism and its implications on the marketing mix. Intellectual Discourse, 25(1), 137-154. https://journals.iium.edu.my/intdiscourse/index.php/id/article/view/995
Haron, S., Ahmad, N., & Planisek, S. L. (1994). Bank patronage factors of Muslim and non-Muslim customers. International Journal of Bank Marketing. 12(1), 32-40. https://doi.org/10.1108/02652329410049599
Hofstede, G. (1984). Culture's consequences: International differences in work-related values (Vol. 5). Sage.
Hoque, M. E., Nik Hashim, N. M. H., & Azmi, M. H. B. (2018). Moderating effects of marketing communication and financial consideration on customer attitude and intention to purchase Islamic banking products: A conceptual framework. Journal of Islamic Marketing, 9(4), 799-822. https://doi.org/10.1108/JIMA-01-2017-0005
Hubbis. (2024). Survey by Hong Leong Islamic Bank reveals 65% of Malaysian Muslims consistently opt for Shariah-compliant banking and investment products. https://www.hubbis.com/news/survey-by-hong-leong-islamic-bank-reveals-65-of-malaysian-muslims-consistently-opt-for-shariah-compliant-banking-and-investment-products
Hui, C. H., & Triandis, H. C. (1986). Individualism-Collectivism: A study of cross-cultural researchers. Journal of Cross-Cultural Psychology, 17(2), 225-248. https://doi.org/10.1177/0022002186017002006
Iqbal, M., Nisha, N. & Rashid, M. (2018). Bank selection criteria and satisfaction of retail customers of Islamic banks in Bangladesh. International Journal of Bank Marketing, 36(5), 931-946. https://doi-org.uitm.idm.oclc.org/10.1108/IJBM-01-2017-0007
Irving, P. & Dickson, D. (2004). Empathy: Towards a conceptual framework for health professionals. International Journal of Health Care Quality Assurance, 170(4), 212-220. https://doi-org.uitm.idm.oclc.org/10.1108/09526860410541531
Jamshed, K. M., & Uluyol, B. (2024). What drives to adoption of Islamic banking products and services: Is it shariah compliance or convenience? Journal of Islamic Marketing, 15(11), 2891-2915. https://doi-org.uitm.idm.oclc.org/10.1108/JIMA-08-2023-0243
Jan, M. T., & Shafiq, A. (2021). Islamic banks’ brand personality and customer satisfaction: An empirical investigation through SEM. Journal of Islamic Accounting and Business Research, 12(4), 488-508. https://doi.org/10.1108/JIABR-05-2020-0149
Kaakeh, A., Hassan, M. K., & Van Hemmen Almazor, S. F. (2019). Factors affecting customers’ attitudes towards Islamic banking in the UAE. International Journal of Emerging Markets, 14(4), 668-688. https://doi-org.uitm.idm.oclc.org/10.1108/IJOEM-11-2017-0502
Kamali, M. H. (2008). Maqasid al-Shariah made simple. International Institute of Islamic Thought.
Karjaluoto, H., Mattila, M., & Pento, T. (2002). Factors underlying attitude formation towards online banking in Finland. International Journal of Bank Marketing, 20(6), 261-272. https://doi.org/10.1108/02652320210446724
Keller, K. L. (2012). Strategic brand management: Building, measuring, and managing brand equity (4th ed.). Prentice-Hall International.
Khir, K., Gupta, L. and Shanmugam, B. (2008). Islamic banking: A practical perspective. Pearson Longman.
Komarraju, M., Dollinger, S. J., & Lovell, J. L. (2008). Individualism-collectivism in horizontal and vertical directions as predictors of conflict management styles. International Journal of Conflict Management, 19(1), 20-35. https://doi.org/10.1108/10444060810849164
Lada, S., Tanakinjal, G. H., & Amin, H. (2009). Predicting intention to choose halal products using the Theory of Reasoned Action. International Journal of Islamic and Middle Eastern Finance and Management, 2(1), 66-76. https://doi.org/10.1108/17538390910946276
LeBlanc, G., & Nguyen, N. (1996). Cues used by customers evaluating corporate image in service firms: An empirical study in financial institutions. International Journal of Service Industry Management, 7(2), 44-56. https://doi-org.uitm.idm.oclc.org/10.1108/09564239610113460
Lee, K., & Ullah, S. (2011). Customers' attitude toward Islamic banking in Pakistan. International Journal of Islamic and Middle Eastern Finance and Management, 4(2), 131-145. https://doi.org/10.1108/17538391111144524
Ltifi, M., Hikkerova, L., Aliouat, B., & Gharbi, J. (2016). The determinants of the choice of Islamic banks in Tunisia. International Journal of Bank Marketing, 34(5), 710-730. https://doi.org/10.1108/IJBM-11-2014-0170
Md Husin, M. & Ab Rahman, A. (2016). Do Muslims intend to participate in Islamic Insurance? Analysis from the theory of planned behaviour. Journal of Islamic Accounting and Business Research, 7(1), 42-58. https://doi.org/10.1108/JIABR-03-2014-0012
Naser, K., Jamal, A., & Al?Khatib, K. (1999). Islamic banking: A study of customer satisfaction and preferences in Jordan. International Journal of Bank Marketing, 17(3), 135-151. https://doi.org/10.1108/02652329910269275
Noordin, F. & Jusoff, K. (2010). Individualism?collectivism and job satisfaction between Malaysia and Australia. International Journal of Educational Management, 24(2), 159-174. https://doi.org/10.1108/09513541011020963
Osayawe Ehigie, B. (2006). Correlates of customer loyalty to their bank: A case study in Nigeria. International Journal of Bank Marketing, 24(7), 494-508. https://doi-org.uitm.idm.oclc.org/10.1108/02652320610712102
Prayag, G. (2007). Assessing international tourists' perceptions of service quality at Air Mauritius. International Journal of Quality & Reliability Management, 24(5), 492-514. https://doi-org.uitm.idm.oclc.org/10.1108/02656710710748367
Sabirzyanov, R. (2016). Islamic financial products and services patronizing behavior in Tatarstan: The role of perceived values and awareness. Journal of King Abdulaziz University: Islamic Economics, 29(1), 111-126. https://ssrn.com/abstract=3061812
Siyamto, Y., Budiyanto, B., & Khuzaini, K. (2025). The role of Islamic bank image and customer trust in mediating the influence of Islamic marketing on Islamic bank customer decisions. Journal of Social Research, 4(2), 266-288.
Smith, J. R., Terry, D. J., Louis, W. R., & Kotterman, D. (2008). The attitude–behavior relationship in consumer conduct: The role of norms, past behavior, and self-identity. The Journal of Social Psychology, 148(3), 311-333. https://doi.org/10.3200/SOCP.148.3.311-334
Souiden, N., & Rani, M. (2015). Consumer attitudes and purchase intentions toward Islamic banks: The influence of religiosity. International Journal of Bank Marketing, 33(2), 143-161. https://doi.org/10.1108/IJBM-10-2013-0115
Sung Moon, K., Kim, M., Jae Ko, Y., Connaughton, D. P., & Hak Lee, J. (2011). The influence of consumers' event quality perception on destination image. Managing Service Quality: An International Journal, 21(3), 287-303.
Tara, N., Irshad, M., Khan, M. R., Yamin, M., & Rizwan, M. (2014). Factors influencing adoption of Islamic banking: A study from Pakistan. Journal of Public Administration and Governance, 4(3), 352-367. https://doi.org/10.5296/jpag.v4i3.6677
Triandis, H. C. (1995). Individualism and collectivism. Routledge. https://doi.org/10.4324/9780429499845
Ullah, H. (2014). Shari’ah compliance in Islamic banking: An empirical study on selected Islamic banks in Bangladesh. International Journal of Islamic and Middle Eastern Finance and Management, 7(2), 182-199. https://doi.org/10.1108/IMEFM-06-2012-0051
Usman, H., Projo, N. W. K., Chairy, C., & Haque, M. G. (2022). The exploration role of Sharia compliance in the technology acceptance model for e-banking (case: Islamic bank in Indonesia). Journal of Islamic Marketing, 13(5), 1089-1110. https://doi.org/10.1108/JIMA-08-2020-0230
Abdurrahman, A., Athaillah, M. A., Janwari, Y., & Meiza, A. (2025). Examining factors affecting the acceptance of Islamic mobile banking services in Indonesia: Insights into technology, customer behaviour, and Shari’ah compliance. International Journal of Islamic Finance and Sustainable Development, 17(1), 4-28.
Adesina, A. & Ayo, C. K. (2010). An empirical investigation of the level of users’ acceptance of e-banking in Nigeria. Journal of Internet Banking and Commerce, 15(1), 1-13.
Ahmad, N., & Haron, S. (2002). Perceptions of Malaysian corporate customers towards Islamic banking products & services. International Journal of Islamic Financial Services, 3(4), 1-16.
Ajzen, I., & Fishbein, M. (1980). Understanding attitudes and predicting social behavior. Prentice-Hall.
Akinyemi, I. O., Asani, E. O., & Adigun, A. A. (2013). An investigation of users’ acceptance and satisfaction of the e-banking system as a Panacea towards a cashless economy in Nigeria. Journal of Emerging Trends in Computing and Information Sciences, 4(12), 954-963.
Al-Faruqi, I. R. (1992). Al Taw??d: Its implications for thought and life. International Institute of Islamic Thought.
Ali, S. A., Hassan, A., Juhdi, N., & Razali, S. S. (2018). Employees’ attitude towards Islamic banking: Measurement development and validation. International Journal of Ethics and Systems, 34(1), 78-100. https://doi.org/10.1108/IJOES-05-2017-0070
Amin, H. (2013). Factors influencing Malaysian bank customers to choose Islamic credit cards: Empirical evidence from the TRA model. Journal of Islamic Marketing, 4(3), 245-263. https://doi.org/10.1108/JIMA-02-2012-0013
Amin, H. (2017). Consumer behaviour of Islamic home financing: Investigating its determinants from the theory of Islamic consumer behaviour. Humanomics, 33(4), 517-548. https://doi.org/10.1108/H-12-2016-0102
Amin, H., & Abdul Hamid, M. R. (2018). Patronage factors of tawarruq home financing in Malaysia. International Journal of Business and Society, 19(3), 660-677. https://eprints.ums.edu.my/id/eprint/25162/7/Patronage%20Factor%20of%20Tawarruq%20Home%20Financing%20in%20Malaysia%201.pdf
Arshad, T., Zahra, R., & Draz, U. (2016). Impact of customer satisfaction on image, trust, loyalty, and the customer switching behavior in conventional and Islamic banking: Evidence from Pakistan. American Journal of Business and Society, 1(3), 154-165. https://www.eajournals.org/wp-content/uploads/Consumer-Behaviour-Towards-Islamic-Banking-in-Pakistan.pdf
Ayinde, L. O., & Echchabi, A. (2012). Perception and adoption of Islamic insurance in Malaysia: An empirical study. World Applied Sciences Journal, 20(3), 407-415.
Bank Islam Malaysia Berhad. (n.d.). Our history. https://www.bankislam.com/corporate-info/resources/our-history/#:~:text=The%20bank%20was%20formed%20after,workforce%20of%20more%20than%204%2C500.
Bank Negara Malaysia. (n.d.). Financial sector participants directory. https://www.bnm.gov.my/regulations/fsp-directory
Bashir, I., & Madhavaiah, C. (2015). Consumer attitude and behavioural intention towards Internet banking adoption in India. Journal of Indian Business Research, 7(1), 67-102. https://doi.org/10.1108/JIBR-02-2014-0013
Campbell, M. J., Machin, D., & Walters, S. J. (2007). Medical statistics: A textbook for the health sciences (4th ed.). John Wiley and Sons.
Chinomona, R. (2016). Brand communication, brand image, and brand trust as antecedents of brand loyalty in Gauteng Province of South Africa. African Journal of Economic and Management Studies, 7(1), 124-139. https://doi-org.uitm.idm.oclc.org/10.1108/AJEMS-03-2013-0031
Davis, F. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly, 13(3), 319-339. https://doi.org/10.2307/249008
Debling, F. (2000). ‘On-brand banking’: An examination of the factors contributing to effective branding and brand development through direct marketing in the consumer financial services sector. Journal of Financial Services Marketing, 5(2), 150–173. https://doi.org/10.1057/palgrave.fsm.4770015
de Chernatony, L. & Cottam, S. (2006). Internal brand factors driving successful financial services brands. European Journal of Marketing, 40(?), 611-633. https://doi.org/10.1108/03090560610657868
Donthu, N., & Yoo, B. (1998). Cultural influences on service quality expectations. Journal of Service Research, 1(2), 178-186. https://doi.org/10.1177/109467059800100207
Earley, P. C. (1989). Social loafing and collectivism: A comparison of the United States and the People's Republic of China. Administrative Science Quarterly, 34(4), 565-581. https://doi.org/10.2307/2393567
El-Halaby, S., Hussainey, K., & Al-Maghzom, A. (2017). Multi-disclosures in the context of national cultures: Evidence from Islamic banks. Advances in Accounting Behavioral Research, 20, 117-157. https://doi.org/10.1108/S1475-148820170000020005
Erol, C., & El?Bdour, R. (1989). Attitudes, behaviour, and patronage factors of bank customers towards Islamic banks. International Journal of Bank Marketing, 7(6), 31-37. https://doi.org/10.1108/02652328910132060
Eshagi, M. S., Ranjbarian, B., & Ansari, A. (2022). The image and customer well-being stem from banking activities. Journal of Islamic Marketing, 13(8), 1807-1825. https://doi-org.uitm.idm.oclc.org/10.1108/JIMA-10-2020-0314
Fang, E. S. (2016). Three decades of repackaging Islamic finance in international markets. Journal of Islamic Marketing, 7(1), 37-58 https://doi-org.uitm.idm.oclc.org/10.1108/JIMA-10-2014-0067
Fishbein, M., & Ajzen, I. (1975). Belief, attitude, intention, and behavior: An introduction to theory and research. Addison-Wesley.
Furrer, O., Liu, B. S.-C., & Sudharshan, D. (2000). The relationships between culture and service quality perceptions: Basis for cross-cultural market segmentation and resource allocation. Journal of Service Research, 2(4), 355-371. https://doi.org/10.1177/109467050024004
Gambling, T. E., & Karim, R. A. A. (1986). Islam and ‘Social Accounting’. Journal of Business Finance & Accounting, 13(1), 39-50. https://doi.org/10.1111/j.1468-5957.1986.tb01171.x
Hamadou, I., Hamidi, M. L., & Yumna, A. (2025). Potential customers’ intention to use Islamic banking products in Cameroon: The mediating effect of attitude. Journal of Islamic Marketing, 16(2), 373-401.
Hamzah, N., Mohd Ishak, N., & Mohd Nor, N. I. (2015). Customer satisfaction with the Islamic banking system. Journal of Economics, Business and Management, 3(1), 140-144. https://doi.org/10.7763/JOEBM.2015.V3.170
Haque, A., Osman, J., & Ismail, A. Z. H. (2009). Factors influencing selection of Islamic banking: A study on Malaysian customer preferences. American Journal of Applied Sciences, 6(5), 922-928. https://doi.org/10.3844/ajassp.2009.922.928
Haque, A., Shafiq, A., & Maulan, S. (2017). An approach to Islamic consumerism and its implications on the marketing mix. Intellectual Discourse, 25(1), 137-154. https://journals.iium.edu.my/intdiscourse/index.php/id/article/view/995
Haron, S., Ahmad, N., & Planisek, S. L. (1994). Bank patronage factors of Muslim and non-Muslim customers. International Journal of Bank Marketing. 12(1), 32-40. https://doi.org/10.1108/02652329410049599
Hofstede, G. (1984). Culture's consequences: International differences in work-related values (Vol. 5). Sage.
Hoque, M. E., Nik Hashim, N. M. H., & Azmi, M. H. B. (2018). Moderating effects of marketing communication and financial consideration on customer attitude and intention to purchase Islamic banking products: A conceptual framework. Journal of Islamic Marketing, 9(4), 799-822. https://doi.org/10.1108/JIMA-01-2017-0005
Hubbis. (2024). Survey by Hong Leong Islamic Bank reveals 65% of Malaysian Muslims consistently opt for Shariah-compliant banking and investment products. https://www.hubbis.com/news/survey-by-hong-leong-islamic-bank-reveals-65-of-malaysian-muslims-consistently-opt-for-shariah-compliant-banking-and-investment-products
Hui, C. H., & Triandis, H. C. (1986). Individualism-Collectivism: A study of cross-cultural researchers. Journal of Cross-Cultural Psychology, 17(2), 225-248. https://doi.org/10.1177/0022002186017002006
Iqbal, M., Nisha, N. & Rashid, M. (2018). Bank selection criteria and satisfaction of retail customers of Islamic banks in Bangladesh. International Journal of Bank Marketing, 36(5), 931-946. https://doi-org.uitm.idm.oclc.org/10.1108/IJBM-01-2017-0007
Irving, P. & Dickson, D. (2004). Empathy: Towards a conceptual framework for health professionals. International Journal of Health Care Quality Assurance, 170(4), 212-220. https://doi-org.uitm.idm.oclc.org/10.1108/09526860410541531
Jamshed, K. M., & Uluyol, B. (2024). What drives to adoption of Islamic banking products and services: Is it shariah compliance or convenience? Journal of Islamic Marketing, 15(11), 2891-2915. https://doi-org.uitm.idm.oclc.org/10.1108/JIMA-08-2023-0243
Jan, M. T., & Shafiq, A. (2021). Islamic banks’ brand personality and customer satisfaction: An empirical investigation through SEM. Journal of Islamic Accounting and Business Research, 12(4), 488-508. https://doi.org/10.1108/JIABR-05-2020-0149
Kaakeh, A., Hassan, M. K., & Van Hemmen Almazor, S. F. (2019). Factors affecting customers’ attitudes towards Islamic banking in the UAE. International Journal of Emerging Markets, 14(4), 668-688. https://doi-org.uitm.idm.oclc.org/10.1108/IJOEM-11-2017-0502
Kamali, M. H. (2008). Maqasid al-Shariah made simple. International Institute of Islamic Thought.
Karjaluoto, H., Mattila, M., & Pento, T. (2002). Factors underlying attitude formation towards online banking in Finland. International Journal of Bank Marketing, 20(6), 261-272. https://doi.org/10.1108/02652320210446724
Keller, K. L. (2012). Strategic brand management: Building, measuring, and managing brand equity (4th ed.). Prentice-Hall International.
Khir, K., Gupta, L. and Shanmugam, B. (2008). Islamic banking: A practical perspective. Pearson Longman.
Komarraju, M., Dollinger, S. J., & Lovell, J. L. (2008). Individualism-collectivism in horizontal and vertical directions as predictors of conflict management styles. International Journal of Conflict Management, 19(1), 20-35. https://doi.org/10.1108/10444060810849164
Lada, S., Tanakinjal, G. H., & Amin, H. (2009). Predicting intention to choose halal products using the Theory of Reasoned Action. International Journal of Islamic and Middle Eastern Finance and Management, 2(1), 66-76. https://doi.org/10.1108/17538390910946276
LeBlanc, G., & Nguyen, N. (1996). Cues used by customers evaluating corporate image in service firms: An empirical study in financial institutions. International Journal of Service Industry Management, 7(2), 44-56. https://doi-org.uitm.idm.oclc.org/10.1108/09564239610113460
Lee, K., & Ullah, S. (2011). Customers' attitude toward Islamic banking in Pakistan. International Journal of Islamic and Middle Eastern Finance and Management, 4(2), 131-145. https://doi.org/10.1108/17538391111144524
Ltifi, M., Hikkerova, L., Aliouat, B., & Gharbi, J. (2016). The determinants of the choice of Islamic banks in Tunisia. International Journal of Bank Marketing, 34(5), 710-730. https://doi.org/10.1108/IJBM-11-2014-0170
Md Husin, M. & Ab Rahman, A. (2016). Do Muslims intend to participate in Islamic Insurance? Analysis from the theory of planned behaviour. Journal of Islamic Accounting and Business Research, 7(1), 42-58. https://doi.org/10.1108/JIABR-03-2014-0012
Naser, K., Jamal, A., & Al?Khatib, K. (1999). Islamic banking: A study of customer satisfaction and preferences in Jordan. International Journal of Bank Marketing, 17(3), 135-151. https://doi.org/10.1108/02652329910269275
Noordin, F. & Jusoff, K. (2010). Individualism?collectivism and job satisfaction between Malaysia and Australia. International Journal of Educational Management, 24(2), 159-174. https://doi.org/10.1108/09513541011020963
Osayawe Ehigie, B. (2006). Correlates of customer loyalty to their bank: A case study in Nigeria. International Journal of Bank Marketing, 24(7), 494-508. https://doi-org.uitm.idm.oclc.org/10.1108/02652320610712102
Prayag, G. (2007). Assessing international tourists' perceptions of service quality at Air Mauritius. International Journal of Quality & Reliability Management, 24(5), 492-514. https://doi-org.uitm.idm.oclc.org/10.1108/02656710710748367
Sabirzyanov, R. (2016). Islamic financial products and services patronizing behavior in Tatarstan: The role of perceived values and awareness. Journal of King Abdulaziz University: Islamic Economics, 29(1), 111-126. https://ssrn.com/abstract=3061812
Siyamto, Y., Budiyanto, B., & Khuzaini, K. (2025). The role of Islamic bank image and customer trust in mediating the influence of Islamic marketing on Islamic bank customer decisions. Journal of Social Research, 4(2), 266-288.
Smith, J. R., Terry, D. J., Louis, W. R., & Kotterman, D. (2008). The attitude–behavior relationship in consumer conduct: The role of norms, past behavior, and self-identity. The Journal of Social Psychology, 148(3), 311-333. https://doi.org/10.3200/SOCP.148.3.311-334
Souiden, N., & Rani, M. (2015). Consumer attitudes and purchase intentions toward Islamic banks: The influence of religiosity. International Journal of Bank Marketing, 33(2), 143-161. https://doi.org/10.1108/IJBM-10-2013-0115
Sung Moon, K., Kim, M., Jae Ko, Y., Connaughton, D. P., & Hak Lee, J. (2011). The influence of consumers' event quality perception on destination image. Managing Service Quality: An International Journal, 21(3), 287-303.
Tara, N., Irshad, M., Khan, M. R., Yamin, M., & Rizwan, M. (2014). Factors influencing adoption of Islamic banking: A study from Pakistan. Journal of Public Administration and Governance, 4(3), 352-367. https://doi.org/10.5296/jpag.v4i3.6677
Triandis, H. C. (1995). Individualism and collectivism. Routledge. https://doi.org/10.4324/9780429499845
Ullah, H. (2014). Shari’ah compliance in Islamic banking: An empirical study on selected Islamic banks in Bangladesh. International Journal of Islamic and Middle Eastern Finance and Management, 7(2), 182-199. https://doi.org/10.1108/IMEFM-06-2012-0051
Usman, H., Projo, N. W. K., Chairy, C., & Haque, M. G. (2022). The exploration role of Sharia compliance in the technology acceptance model for e-banking (case: Islamic bank in Indonesia). Journal of Islamic Marketing, 13(5), 1089-1110. https://doi.org/10.1108/JIMA-08-2020-0230
Published
2025-09-17
How to Cite
Abdul Aziz, M. R., Muhamad Sheth, M. N., Abdul Rashid, N. F., Amir, S., Artawan, W. N., & Zamawi, Z. H. (2025). A Conceptual Framework of the Factors Affecting Customer Attitude towards Islamic Banking in Malaysia. Information Management and Business Review, 17(3(I), 618-627. https://doi.org/10.22610/imbr.v17i3(I).4578
Issue
Section
Research Paper
Copyright (c) 2025 Muhammad Ridzuan Abdul Aziz, Muhamad Nadjmi Muhamad Sheth, Nurfahirah Farhana Abdul Rashid, Shafirah Amir, Wanida Nabila Artawan, Zamirul Haiman Zamawi
This work is licensed under a Creative Commons Attribution 4.0 International License.
Author (s) should affirm that the material has not been published previously. It has not been submitted and it is not under consideration by any other journal. At the same time author (s) need to execute a publication permission agreement to assume the responsibility of the submitted content and any omissions and errors therein. After submission of revised paper in the light of suggestions of the reviewers, the editorial team edits and formats manuscripts to bring uniformity and standardization in published material.
This work will be licensed under Creative Commons Attribution 4.0 International (CC BY 4.0) and under condition of the license, users are free to read, copy, remix, transform, redistribute, download, print, search or link to the full texts of articles and even build upon their work as long as they credit the author for the original work. Moreover, as per journal policy author (s) hold and retain copyrights without any restrictions.
