A Conceptual Framework and Propositions for The Adoption of Islamic Banking Services in India
January 11th, 2018
By Manzar Ali Khan, NazimahHussin, Wan Khairuzzaman, Wan Ismail and Jihad Mohammad
The aim of this paper is to propose a conceptual framework to study and identify factors that influence the intention to adopt Islamic banking services in India. Islamic banking has evolved as a new reality in the international financial landscape in the recent past. Various studies have been undertaken by researchers to examine issues related to Islamic banking and finance across the world. However, literature revealed the lack of adoption studies on Islamic banking domain. This study employs the decomposed theory of planned behaviour (DTPB) proposed by Taylor and Todd (1995a) to investigate the influence of perceived attributes of intention to adopt Islamic banking services in India. The study also intends to incorporate ethical judgement into DTPB model and investigate its influence on the intention to adopt the Islamic banking services. Further, this study also examines the mediating effect of the ethical judgement on the relationship between the moral obligation, perceived consequences and the intention to adopt Islamic banking services. This study will provide compelling insights into Islamic banking services that will be useful to both banking consumers as well as industry.