Factors affecting Islamic banking behavioral intention: the moderating effects of customer marketing practices and financial considerations

  • Mohammad Enamul Hoque
  • M. Kabir HassanEmail author
  • Nik Mohd Hazrul Nik Hashim
  • Tarek Zaher
Original Article


This paper examines the determinants of potential customers’ intention to purchase products and services from Islamic banks and the moderating effects of customer marketing practices and financial considerations. A research framework is developed which links communication considerations, financial considerations, customer attitudes, and behaviors. The questionnaire approach, confirmatory factor analysis, and hierarchical regression are used to examine the extent and direction of the relationship within the conceptualized research framework. We find, apart from perceived ease of online banking, that all conceptualized factors are important determinants of customers’ behavioral intention in Islamic banking. This study also finds that, with the exception of perceived risk, all moderators (namely customer–bank relationship, advertising, perceived ease of online banking, perceived potential benefits, and profit–loss sharing approach) intensify the customer attitude–behavioral intention nexus. Islamic banks should adopt various customer–bank relationship strategies and advertising to attract more customers. Further, Islamic banks may use simplified Arabic terms for products and services on their Web sites and online banking portals to convey their intended massage to non-Muslim customers as well.


Behavioral intention Islamic banking Profit–loss sharing Theory of planned behavior Malaysia 



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Copyright information

© Springer Nature Limited 2019

Authors and Affiliations

  • Mohammad Enamul Hoque
    • 1
    • 4
  • M. Kabir Hassan
    • 2
    Email author
  • Nik Mohd Hazrul Nik Hashim
    • 1
  • Tarek Zaher
    • 3
  1. 1.Graduate School of BusinessUniversiti Kebangsaan MalaysiaBangiMalaysia
  2. 2.Department of Economics and FinanceUniversity of New OrleansNew OrleansUSA
  3. 3.Indiana State UniversityTerre HauteUSA
  4. 4.University of Creative TechnologyChittagongBangladesh

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