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Factors influencing consumers’ adoption of Islamic mobile banking services in Malaysia

Factors influencing consumers’ adoption of Islamic mobile banking services in Malaysia This paper aims to test the factors that can influence the adoption of Islamic mobile banking services among the current users in Malaysia.Design/methodology/approachA sample of 250 current users of Islamic mobile banking services provided opinions about their intention to adopt Islamic mobile banking services. Later, the data are analysed using partial least squares approach.FindingsPerceived usefulness and risk are the factors that influence the intention to adopt Islamic mobile banking services among the existing users.Research limitations/implicationsThere are some limitations of the current study. The sample size and area of study becomes the obvious limitations. Thus, there is a need for caution in the interpretation of the results and the conclusion cannot be as generalised. Besides, the use of current factors might limit the ability to explore other potentially important determinants of the users. Thus, future research can be conducted by incorporating new factors and provide new insights for Islamic mobile banking services. In addition, the sample is biased towards people who are currently using mobile banking services.Practical implicationsBy understanding these factors among the customers, it would help the industry player, particularly Islamic financial institutions to plan and strategise appropriate policies and support necessary programme on diversifying and promoting financial transaction using mobile banking services among their existing and potential customers.Originality/valueThis paper offers an additional literature on Islamic mobile banking, especially from the Malaysian context. There is a lack of study that focusses on Islamic mobile banking services. The paper is considered to be the first attempt to examine factors that influence Malaysian Islamic banking customers to adopt Islamic mobile banking services, which is not often considered in previous studies. http://www.deepdyve.com/assets/images/DeepDyve-Logo-lg.png Journal of Islamic Marketing Emerald Publishing

Factors influencing consumers’ adoption of Islamic mobile banking services in Malaysia

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Publisher
Emerald Publishing
Copyright
© Emerald Publishing Limited
ISSN
1759-0833
DOI
10.1108/jima-04-2018-0065
Publisher site
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Abstract

This paper aims to test the factors that can influence the adoption of Islamic mobile banking services among the current users in Malaysia.Design/methodology/approachA sample of 250 current users of Islamic mobile banking services provided opinions about their intention to adopt Islamic mobile banking services. Later, the data are analysed using partial least squares approach.FindingsPerceived usefulness and risk are the factors that influence the intention to adopt Islamic mobile banking services among the existing users.Research limitations/implicationsThere are some limitations of the current study. The sample size and area of study becomes the obvious limitations. Thus, there is a need for caution in the interpretation of the results and the conclusion cannot be as generalised. Besides, the use of current factors might limit the ability to explore other potentially important determinants of the users. Thus, future research can be conducted by incorporating new factors and provide new insights for Islamic mobile banking services. In addition, the sample is biased towards people who are currently using mobile banking services.Practical implicationsBy understanding these factors among the customers, it would help the industry player, particularly Islamic financial institutions to plan and strategise appropriate policies and support necessary programme on diversifying and promoting financial transaction using mobile banking services among their existing and potential customers.Originality/valueThis paper offers an additional literature on Islamic mobile banking, especially from the Malaysian context. There is a lack of study that focusses on Islamic mobile banking services. The paper is considered to be the first attempt to examine factors that influence Malaysian Islamic banking customers to adopt Islamic mobile banking services, which is not often considered in previous studies.

Journal

Journal of Islamic Marketing – Emerald Publishing

Published: Oct 21, 2019

Keywords: Malaysia; Risk; Perceived usefulness; Islamic mobile banking

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