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All Journal Gadjah Mada International Journal of Business Global Review of Islamic Economics and Business Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam Economica: Jurnal Ekonomi Islam International Journal of Islamic Economics and Finance (IJIEF) Jurnal Ekonomi & Keuangan Islam MALIA Journal of Islamic Monetary Economics and Finance EkBis: Jurnal Ekonomi dan Bisnis Journal of Islamic Economic and Business Research Journal of Islamic Economics Lariba International Journal of Islamic Finance (IJIF)
Salina Kassim
International Islamic University Malaysia
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences Other

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Journal : International Journal of Islamic Finance (IJIF)

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A Behavioral Analysis Behind the Intention to Adopt Islamic Financial Products and Services in Malaysia: Underpinning Social Cognitive Theory Zulfaka, Auni; Kassim, Salina
International Journal of Islamic Finance Vol. 3 No. 1 (2025): May 2025
Publisher : Department of Islamic Financial Management, Faculty of Economics and Islamic Business, Sunan Kalijaga State Islamic University, Yogyakarta, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/ijif.v3i1.2335

Abstract

The growing global Muslim population and the increasing demand for halal products have also spurred interest in Islamic financial services, where the interplay between sacred and profane influences consumer choices. However, the market share of Islamic banking in Malaysia is still overshadowed by conventional banking, with only 33.4% of total deposits in 2018 attributed to Islamic banks. This indicates a significant challenge in attracting customers, where psychological factors play crucial roles in influencing behavioral intentions to adopt Islamic banking services. The study attempts to discover and provide an understanding on the ‘determinants factors on intention to adopt Islamic financial products and services with the integration of Social Cognitive Theory, Islamic financial literacy and the financial behavior of the consumer in Malaysia’. Partial Least Square PLS-SEM technique is used to analyze the 363 data in order to provide statistical result from respondents in the Klang Valley. The results demonstrate that all variables tested in this study have a strong relationship and identified as the determinants of intention to adopt Islamic financial products and services. The result from this study also provides practical implication for Islamic finance institutions to produce and market their Islamic financial products in the right and targeted market group.
Co-Authors Abdul Karim, Norzitah Achmad Hidayat Achsani, Muhammad Nur Faaiz F Achsani, Muhammad Nur Faaiz Fathah Adeyemi, Adewale Abideen Alhabshi, Syed Musa Syed Jaafar Ali, Engku Rabiah Adawiyah Engku Ali, Zulkarnain Muhammad Dhimmar, Sonali Hamid, Zarinah Jarita Duasa Khalifah Muhamad Ali Laily Dwi Arsyianti Mahadi, Nur Farhah Mahadi, Nur Farhah Binti Martiana, Andri Maulida, Syahdatul Md Saad, Norma Miftahul Jannah Mohammad Irfan Mohd Yusoff, Syarah Syahira Binti Muhammad, Niaz Makhdum Nashr Akbar, Nashr Rapi, Muh Zul Hazmi Razali Haron, Razali Siti Raihanun Yusuf, Muhammad-Bashir Owolabi Zakariyah, Habeebullah Zulfaka, Auni