A Conceptual Framework of the Factors Affecting Customer Attitude towards Islamic Banking in Malaysia

Muhammad Ridzuan Abdul Aziz, Muhamad Nadjmi Muhamad Sheth, Nurfahirah Farhana Abdul Rashid, Shafirah Amir, Wanida Nabila Artawan and Zamirul Haiman Zamawi

Information Management and Business Review, 2025, vol. 17, issue 3, 618-627

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.

Date: 2025
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Persistent link: https://EconPapers.repec.org/RePEc:rnd:arimbr:v:17:y:2025:i:3:p:618-627

DOI: 10.22610/imbr.v17i3(I).4578

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