What are the Islamic bank customers attitude determinants? A literature review

Abstract

The purpose of this paper is to identify the factors that influence the customers' Attitude to patronise Islamic bank by applying theory of planned behaviour. The literature on Islamic banking is extensive and focuses on customers‟ behaviour, yet it is still unclear what variables may have a potential impact on customers‟ attitude. The Islamic bank customers‟ patronising factors were long discussed in the literature, but the predictors of customers‟ attitude toward Islamic banks according to the theory of planned behaviour has not been thoroughly discussed. The predictors of attitude were examined within theoretical framework. This study proposed and developed a framework using the Islamic bank customers selection criteria (product features, service quality, social responsibility practices and trust) as determinant of attitude. The framework is open for quantitative test which can form a genera for future researches in the area of determinates of Islamic bank customers Attitude. The theoretical framework incorporates customers selection criteria that are likely determine the customers attitude to patronise Islamic banks. The framework suggests that selection criterias‟ namely: product features, service quality, social responsibility practices and trust determine the customers attitude to patronise Islamic banks. This study integrates the selection criteria (product features, service quality, social responsibility practices and trust) to determine the attitude in the theoretical framework. The previous studies untapped the integration of customers selection criteria to patronise Islamic banks in the theory of planned behaviour.