Sources of Intentions Behind Religious Commitment and Adoption of Green Banking: The Mediatory Role of Consumer Eco-Consciousness Complemented by Security and Privacy, Customer Awareness, and System Quality

The study explored how customers' inclination toward different religious intentions affects their intention to adopt Green Banking. We proposed the sources of intentions behind religious commitment namely 1. Ideological, 2. Ritualistic, 3. Intellectual, 4. Consequential, and 5. Experimental affect consumer intention through increasing consumer eco-consciousness. We also contend that Security and Privacy augment these effects in a way that a higher level of security would make the effect of these sources on consumer eco-consciousness more pronounced. Moreover, the effect of eco-consciousness on green banking is augmented by Customer Awareness and System Quality. The target population for this research was green banking consumers in Karachi, Pakistan, with 311 responses collected using a non-probability purposive sampling technique. Data analysis was conducted using PLS-SEM. The results have shown that consumer eco-consciousness significantly affects consumer intention to adopt green banking, whereas the intellectual dimension has a positive and significant effect on eco consciousness. Hence Consumer eco-consciousness mediates the relationship between the intellectual dimension and consumer intention to adopt green banking. The moderation effect showed a significant positive complementarity of systems quality in the effect of eco consciousness on green banking. Managers should focus on enhancing consumer eco consciousness and system quality, as these significantly influence the intention to adopt green banking while ensuring security, privacy, and customer awareness are prioritized in a way that supports green banking adoption.