Emerald

Nghiên cứu này nhằm điều tra ý định hành vi và sự áp dụng ngân hàng trực tuyến (IB) trong số các khách hàng của các ngân hàng Hồi giáo trong nước và nước ngoài tại Malaysia.

Phiếu khảo sát được phân phối trong số các khách hàng của các ngân hàng Hồi giáo tại hai bang chính, cụ thể là Kuala Lumpur và Selangor. Số lượng khách hàng tham gia là 319 (n = 319). Dữ liệu được phân tích bằng phương pháp bình phương nhỏ nhất một phần (PLS) và về mặt lý thuyết, khung nghiên cứu trong nghiên cứu này được hướng dẫn bởi lý thuyết thống nhất về sự chấp nhận và sử dụng công nghệ 2 (UTAUT2).

Phân tích PLS thông minh đưa ra ba kết quả chính, cụ thể là các biến như kỳ vọng hiệu suất, kỳ vọng nỗ lực, giá trị giá, điều kiện hỗ trợ và thói quen có ảnh hưởng tích cực đối với ý định hành vi và dẫn đến sự áp dụng IB. Hai biến khác, cụ thể là ảnh hưởng xã hội và động lực thích ứng có liên quan tiêu cực và không có ý nghĩa đối với ý định hành vi. Thứ ba, bài báo này cũng nhận thấy rằng điều kiện hỗ trợ và thói quen có sự liên kết trực tiếp với việc áp dụng IB.

Dựa trên kết quả, các ngân hàng Hồi giáo có thể thực hiện các biện pháp cần thiết để thiết kế một chính sách tốt hơn để thúc đẩy hơn nữa việc sử dụng IB trong số khách hàng của họ. Bằng cách xác định những yếu tố đó, điều này, có lẽ, có thể cho phép các ngân hàng Hồi giáo đầu tư thêm ý tưởng vào những yếu tố quan trọng đó ảnh hưởng đến sự quan tâm của họ, và sau đó dẫn đến việc kinh doanh tốt cho các ngân hàng Hồi giáo khi khách hàng ngày nay đang tìm kiếm các yếu tố đơn giản và tiện lợi khi sử dụng IB.

Nghiên cứu này được kỳ vọng sẽ tăng cường tài liệu hiện có về ngân hàng trực tuyến, đặc biệt là trong nghiên cứu ngân hàng Hồi giáo về công nghệ tiên tiến. Nghiên cứu hạn chế đã được thực hiện trong Malaysia, đặc biệt về ý định và việc áp dụng liên tục của IB trong các ngân hàng Hồi giáo sử dụng khung UTAUT2. Điều này sẽ là nghiên cứu đột phá trong việc xác định các yếu tố ảnh hưởng đến việc áp dụng liên tục của khách hàng đối với IB.

This paper aims to identify the determinants of the intention to use mobile banking services among Islamic Banking customers in Sri Lanka. The study was carried out based on the Unified Theory of Acceptance and Use of Technology (UTAUT 2). The predictor variables of performance expectancy, effort expectancy, social influence, facilitating conditions, hedonic motivation and habit were used to predict the variable of behavioural intention to use. The moderating variables entail age, gender and experience.

Quantitative method with questionnaire survey was used. Data collection relied on the questionnaire survey method of which items were derived and adapted from past literatures. The responses were captured using the seven-point Likert scale. The study population consisted of Islamic Banking customers in Sri Lanka. A total of 594 questionnaires were returned of which 582 were found usable for analysis. Data analysis was conducted using the partial least square structural equation modelling along with SmartPLS 3.

The analysis results demonstrated the significant effect of all the variables on the Islamic Banking customers’ intention to use m-banking services along with the significant effect of the moderating variables as initially hypothesized.

As the first study of its kind in the context of Islamic banking customers in Sri Lanka, this study offers decision makers valuable guidelines for when they intend to re-engineer their m-banking applications and promote them to the public.

Following a comprehensive literature review, this study is identified as the pioneering effort in the investigation of m-banking usage intention among Islamic Banking customers in Sri Lanka. Therefore, this study contributes new knowledge and insights to the existing body of literature by confirming the viability of the UTAUT2 model in driving m-banking usage adoption among Islamic Banking customers in Sri Lanka.

Islam plays a powerful symbolic and cultural role in the constitution of consumer preferences, especially in Muslim countries. To quantitatively study this role in the consumption patterns of Muslim consumers we need a suitable scale for religiosity. However, the existing scales of religiosity have been developed primarily for Christian/Jewish respondents and cannot provide valid results for Muslim consumers. This study aims to address these challenges by re-conceptualizing the religiosity construct for Muslims and conducting an exploratory study to generate an initial scale.

This paper initialized the scale development exercise with a systematic review of the existing Islamic literature to ensure that we use Islamic categories to build the scale. Once the authors had a large pool of items, they consulted experts on Shariah (Islamic law) to evaluate these items for clarity, face and content validity. Next, they conducted five focus groups to (a) determine if they had covered the full terrain of Muslim religiosity; (b) identify if the items correspond with the actual experiences of the target respondents; and (c) ensure linguistic compatibility. This was followed by administering an exploratory survey designed to test psychometric properties of the new scale and to analyze the underlying dimensionality of the inventory of items.

To extract a manageable number of latent dimensions in the survey data, an exploratory factor analysis (EFA) procedure was conducted. This resulted in the extraction of five different factors which were named as Mu’amalat_societal ethics, Roshan Khayali (enlightened moderation), Ibadaat (prayers), Mu’amalat_societal laws, Azeemat (a state exhibiting scrupulous faithfulness) and Mu’amalat_business dealings. There is a divide between Ibadaat (individual and collective worship) and Muamlaat (social relations) that emerged in the data from the cluster analysis procedure.

Religion can be an important part of decision-making of a typical consumer. This paper proposes a new scale for Muslims to tap into their religiosity, as existing scales are not embedded in the Islamic literature. This study also distinguishes Muslim religiosity from its Western counterpart and thus helps in clarifying the Muslim religiosity construct.

Tremendous growth and worldwide expansion of Islamic banking industry has gained widespread attention of economist, bankers, investors and financial experts regardless of economic and political volatility in global banking industry. To compete with conventional banking, Islamic banks are setting up themselves with innovative technologies to gain competitive edge and market share. The establishment of mobile banking has been proven a technological wonder by eliminating time and space boundaries, and one can access financial services anywhere and at any time. For effective market segmentation, recognizing gender differences in factors affecting the adoption patterns of m-banking may provide competitive edge. Therefore, this paper aims to investigate how gender differences impact the intention to adopt Islamic mobile banking in Pakistan.

The study uses extended technology acceptance model (TAM) on final 243 participants from Pakistan. Confirmatory factor analysis (CFA) and structural equation modeling (SEM) methodology has been applied for data analysis using SPSS 21 and AMOS 21.

Results have identified two interesting and different models for males and females in intention to adopt Islamic mobile banking. It is inferred that males are more task driven and desire for personality, value and status, so their intention is significantly impacted by perceived usefulness and perceived self-expressiveness. Whereas, females have found lack of IT knowledge and trust; therefore, their intention is significantly impacted by perceived credibility. However, the perceived financial cost was found of no concern for both males and females and social norms influenced the adoption, but there existed no significant gender differences.

The contribution of this study to existing literature is twofold. First, the existing research on mobile banking has mainly applied TAM on conventional banking overlooking the important ethnic group, the Muslims, who prefer Islamic banking. Second, the impact of gender differences is investigated in factors affecting intention to adopt Islamic mobile banking that has not been studied previously. The study fills the gap.

The purpose of this study is to examine the factors which affect mobile banking (M-banking) acceptance in Islamic banks of Pakistan by using the modified unified theory of acceptance and use of technology (UTAUT) model. The performance expectancy, facilitating conditions, social influence, effort expectancy, perceived value, habit and hedonic motivation are taken as independent variables. Similarly, the intention to adopt M-banking is taken as the mediator, and actual usage is used as the dependent variable.

The data are collected by using the survey method, and the five-point Likert scale is used for this purpose. The statistical techniques applied to the dataset were confirmatory factor analysis and partial least square structure equation modeling.

The empirical evidence shows that all the variables except for social influence have a significant positive effect on the intention which results in actual usage.

This study will help the Islamic banks in boosting the M-banking growth and decision-makers in crafting those strategies that increase the M-banking acceptance.

This paper makes a unique contribution to the literature with reference to Pakistan, being a pioneering attempt to investigate the factors which affect M-banking acceptance in Islamic banks of Pakistan by using the modified UTAUT model.

– The purpose of this study is to explore a consumption values model for Islamic mobile banking acceptance and to identify any differences in perceived consumption values between Muslims and non-Muslims towards the use of Islamic mobile banking services.

– Using an online survey method, a sample of 183 was collected and the partial least squares (PLS) method was used to evaluate the model and validate hypothesis, as it is ideal for assessing both the psychometric properties of all scales and, subsequently, to test the structural relationships proposed in the model.

– Empirical results via the PLS method demonstrates that the result satisfactorily explains the adoption of Islamic mobile banking and further demonstrates the use of the consumption values model as an alternate approach for technology adoption. The consumption values model approach appears to have a stronger fit for Muslims than non-Muslims with 66.6 per cent of the variance explained and a goodness-of-fit index of 0.724. The conditional factors are important in the non-Muslims compared to Muslims. Muslims seem to value emotional factors more than non-Muslims.

– The current research findings represent mainly university students with some exposure to Islamic mobile banking experience and familiarity with mobile technology. Indeed, the samples were taken from Malaysia, an Islamic country that has a diverse ethnic and cultural background. Hence, the result may not apply to other Islamic countries, e.g. Arabic countries due to the cultural background differences. Future researchers could overcome the limits of generalisability by increasing sample coverage.

– This research finding is useful as the comparison is made between Muslim and non-Muslim consumers which help practitioners and researchers to better understand the different adoption characteristics and advance insights on how to promote such a technological service for everyday banking needs especially to different segments of the community. In developing Islamic mobile banking interactions, designers should look beyond the system’s ease of use and take advantage of the different consumption values to include personalisation in the service design through automatically recognising Muslim customers and non-Muslim customers during system use.

– The study contributed to the theory of consumption values model in technology adoption and demonstrated the model is capable of explaining the functional, emotional, epistemic, conditional and social values on consumers in their adoption intention. This research provides empirical findings not reported in previous studies due to the overly represented technology acceptance model approach.

The purpose of this paper is to explore the effects religious affiliation and commitment have on Southeast Asian young adults' intention to adopt Islamic mobile phone banking.

An online self‐administered survey was distributed to Southeast Asian young adults through convenience and snowball sampling and a total of 135 responses obtained.

The study found Islamic mobile phone banking to be a novelty service, with little consumer awareness and experience, especially among non‐Muslims. Religious affiliation and commitment were both effective segmentation strategies, as differences in adoption intention were found between Muslims and non‐Muslims, as well as devout and casually religious Muslims. Overall, devout Muslims were socially‐oriented with their adoption criteria whereas casually religious and non‐Muslims relied upon the utilitarian attributes.

The paper contributes to the existing mobile banking adoption literature by providing evidence of consumers' adoption intentions toward Islamic mobile phone banking. It also uses religious commitment in addition to affiliation as segmentation tools, an approach which has not been used in previous Islamic mobile banking research.

This paper seeks to investigate the key factors underlying customer satisfaction with electronic banking services in an Islamic country, Iran.

The authors validate a measurement model for customer satisfaction evaluation in e‐banking service quality based on different service quality models and theories such as technology acceptance model, theory of reasoned action and theory of planned behavior.

The paper provides a model of seven factors on the following dimensions: convenience, accessibility, accuracy, security, usefulness, bank image, and web site design. Some of these factors illustrate a significant statistical difference between males and females.

These dimensions are determinants of customer's quality perception in e‐banking services and this paper presents new directions in service quality research and offers new directions to researchers and managers in providing service quality improvement.