The determinants of behavioural intention towards using mobile banking of Islamic banking institutions moderated by demographic variables

The purpose of this research is to examine the determinants of behavioural intention towards mobile banking adoption in Islamic banking institutions for Malaysian Muslim consumers. Malaysia is ranked first in the world in terms of Islamic banking assets based on the Global Islamic Economy Indicator...

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Main Author:	Ziad Esa, Yazid
Format:	Thesis
Language:	eng eng
Published:	2023
Subjects:	HG Finance
Online Access:	https://etd.uum.edu.my/10586/1/Depositpermission_s902704.pdf https://etd.uum.edu.my/10586/2/s902704_01.pdf
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id	my-uum-etd.10586
record_format	uketd_dc
spelling	my-uum-etd.105862023-07-20T00:30:18Z The determinants of behavioural intention towards using mobile banking of Islamic banking institutions moderated by demographic variables 2023 Ziad Esa, Yazid Zainol, Zairani Abu Bakar, Juhaida Islamic Business School Islamic Business School HG Finance The purpose of this research is to examine the determinants of behavioural intention towards mobile banking adoption in Islamic banking institutions for Malaysian Muslim consumers. Malaysia is ranked first in the world in terms of Islamic banking assets based on the Global Islamic Economy Indicator Rank (2020). However, in comparison with Malaysian neighbours, mobile banking penetration rate is relatively low. In this case, to compete with the neighbouring countries, it is important for Malaysian Islamic banks to stay abreast with the latest technology. Besides the technology used in banking, factors such as customers’ attitudes, subjective norms and perceptions towards the latest technology are crucial. This is because no matter how advanced a technology is, it is deemed impractical if many people are not able and interested in using it. In this quantitative study, a modified version of the Decomposed Theory of Planned Behaviour was used to explain the relationship between the determinants and customer behavioural intention to adopt mobile banking by examining the following constructs, namely attitude, perceived usefulness, perceived ease of use, lifestyle, Shariah compliance, personal innovativeness, subjective norm, media influence, internal influence, influence of religious scholars, perceived behavioural control, self-efficacy and facilitating condition. This study used an e-survey questionnaire distributed through social media platforms to collect data. The data was then analysed using structural equation modelling using SmartPLS. Based on the analysis of 479 samples, the results show that the tested independent variables are significant. Perceived behavioural control was found to be the most significant construct for behavioural intention, while lifestyle was found to be the most significant construct that affects attitude. On the other hand, innovativeness is the least significant predictor of attitude. Multi Group Analysis shows that demographic variables such as gender, income, age, region, and education level are significant moderators. The significance of Shariah-compliant aspect and the influence of religious scholars have demonstrated a strong and persistent religious (Islamic) application in the Malaysian banking system, hence questioning the theory of secularization. The high significance of perceived behavioural control is suggesting the top management in the industry to emphasize on user-friendliness of the mobile banking service. 2023 Thesis https://etd.uum.edu.my/10586/ https://etd.uum.edu.my/10586/1/Depositpermission_s902704.pdf text eng staffonly https://etd.uum.edu.my/10586/2/s902704_01.pdf text eng public other doctoral Universiti Utara Malaysia
institution	Universiti Utara Malaysia
collection	UUM ETD
language	eng eng
advisor	Zainol, Zairani Abu Bakar, Juhaida
topic	HG Finance
spellingShingle	HG Finance Ziad Esa, Yazid The determinants of behavioural intention towards using mobile banking of Islamic banking institutions moderated by demographic variables
description	The purpose of this research is to examine the determinants of behavioural intention towards mobile banking adoption in Islamic banking institutions for Malaysian Muslim consumers. Malaysia is ranked first in the world in terms of Islamic banking assets based on the Global Islamic Economy Indicator Rank (2020). However, in comparison with Malaysian neighbours, mobile banking penetration rate is relatively low. In this case, to compete with the neighbouring countries, it is important for Malaysian Islamic banks to stay abreast with the latest technology. Besides the technology used in banking, factors such as customers’ attitudes, subjective norms and perceptions towards the latest technology are crucial. This is because no matter how advanced a technology is, it is deemed impractical if many people are not able and interested in using it. In this quantitative study, a modified version of the Decomposed Theory of Planned Behaviour was used to explain the relationship between the determinants and customer behavioural intention to adopt mobile banking by examining the following constructs, namely attitude, perceived usefulness, perceived ease of use, lifestyle, Shariah compliance, personal innovativeness, subjective norm, media influence, internal influence, influence of religious scholars, perceived behavioural control, self-efficacy and facilitating condition. This study used an e-survey questionnaire distributed through social media platforms to collect data. The data was then analysed using structural equation modelling using SmartPLS. Based on the analysis of 479 samples, the results show that the tested independent variables are significant. Perceived behavioural control was found to be the most significant construct for behavioural intention, while lifestyle was found to be the most significant construct that affects attitude. On the other hand, innovativeness is the least significant predictor of attitude. Multi Group Analysis shows that demographic variables such as gender, income, age, region, and education level are significant moderators. The significance of Shariah-compliant aspect and the influence of religious scholars have demonstrated a strong and persistent religious (Islamic) application in the Malaysian banking system, hence questioning the theory of secularization. The high significance of perceived behavioural control is suggesting the top management in the industry to emphasize on user-friendliness of the mobile banking service.
format	Thesis
qualification_name	other
qualification_level	Doctorate
author	Ziad Esa, Yazid
author_facet	Ziad Esa, Yazid
author_sort	Ziad Esa, Yazid
title	The determinants of behavioural intention towards using mobile banking of Islamic banking institutions moderated by demographic variables
title_short	The determinants of behavioural intention towards using mobile banking of Islamic banking institutions moderated by demographic variables
title_full	The determinants of behavioural intention towards using mobile banking of Islamic banking institutions moderated by demographic variables
title_fullStr	The determinants of behavioural intention towards using mobile banking of Islamic banking institutions moderated by demographic variables
title_full_unstemmed	The determinants of behavioural intention towards using mobile banking of Islamic banking institutions moderated by demographic variables
title_sort	determinants of behavioural intention towards using mobile banking of islamic banking institutions moderated by demographic variables
granting_institution	Universiti Utara Malaysia
granting_department	Islamic Business School
publishDate	2023
url	https://etd.uum.edu.my/10586/1/Depositpermission_s902704.pdf https://etd.uum.edu.my/10586/2/s902704_01.pdf
_version_	1776103848696348672

The determinants of behavioural intention towards using mobile banking of Islamic banking institutions moderated by demographic variables

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