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Factors affecting customers’ continued intentions to use Islamic banks

Hajime Kamiyama () and Kenichi Kashiwagi
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Hajime Kamiyama: Kushiro Public University of Economics
Kenichi Kashiwagi: University of Tsukuba

Journal of Financial Services Marketing, 2019, vol. 24, issue 3, 59-68

Abstract: Abstract No study has concurrently verified the religious motives and attitudes that affected the customers’ continued intentions to use Islamic banks along with the importance of other factors and attributes associated with conventional banking services. This study examines factors affecting customers’ attitudes toward Islamic banks based on data obtained from interview surveys conducted in Jordan. The findings show that customers’ religious motives, their evaluations of a bank's compliance with Islamic law as an indication of the customers’ religious attitudes toward Islamic banks, and the ease of access to credit had a positive effect on the customers’ intentions to continue using Islamic banks. More specifically, the findings suggest that customers who continuously transact with Islamic banks more strongly emphasize religious attitudes, rather than credit constraints (such as the degree of access to credit) and religious motives. This study further reveals that religious attitudes, rather than mere religious motives, were the primary criterion for the customers’ continued intent to use Islamic banks, especially when considering the strong effect of their religious attitudes toward Islamic banks.

Keywords: Islamic Banks; Customer Behavior; Religion; Islamic Law (search for similar items in EconPapers)
Date: 2019
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