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

Author

Listed:
  • Muhammad Ridzuan Abdul Aziz
  • Muhamad Nadjmi Muhamad Sheth
  • Nurfahirah Farhana Abdul Rashid
  • Shafirah Amir
  • Wanida Nabila Artawan
  • Zamirul Haiman Zamawi

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.

Suggested Citation

  • Muhammad Ridzuan Abdul Aziz & Muhamad Nadjmi Muhamad Sheth & Nurfahirah Farhana Abdul Rashid & Shafirah Amir & Wanida Nabila Artawan & Zamirul Haiman Zamawi, 2025. "A Conceptual Framework of the Factors Affecting Customer Attitude towards Islamic Banking in Malaysia," Information Management and Business Review, AMH International, vol. 17(3), pages 618-627.
    • Handle: RePEc:rnd:arimbr:v:17:y:2025:i:3:p:618-627
    DOI: 10.22610/imbr.v17i3(I).4578
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    References listed on IDEAS

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    1. Richard Chinomona, 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, Emerald Group Publishing Limited, vol. 7(1), pages 124-139, March.
    2. Richard Chinomona, 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, Emerald Group Publishing Limited, vol. 7(1), pages 124-139, March.
    3. repec:eme:ijoes0:ijoes-05-2017-0070 is not listed on IDEAS
    4. Syed Ahmad Ali & Arif Hassan & Nurita Juhdi & Siti Salwani Razali, 2018. "Employees’ attitude towards Islamic banking: measurement development and validation," International Journal of Ethics and Systems, Emerald Group Publishing Limited, vol. 34(1), pages 78-100, February.
    5. Abdulkader Kaakeh & M. Kabir Hassan & Stefan F. Van Hemmen Almazor, 2019. "Factors affecting customers’ attitude towards Islamic banking in UAE," International Journal of Emerging Markets, Emerald Group Publishing Limited, vol. 14(4), pages 668-688, February.
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