In:
iRASD Journal of Economics, International Research Alliance for Sustainable Development, Vol. 4, No. 4 ( 2022-12-28), p. 621-632
Abstract:
This study investigates the drivers of Islamic Credit Card (ICC) adoption in Khyber Pakhtunkhwa (KP), Pakistan by using the extended Theory of Reasoned Action (TRA) model. Particularly, the study examines the impact of subjective norms, attitude, perceived financial cost, knowledge, and social influence on ICC selection. Using a convenient sampling technique, this study relied on self-administered questionnaires that were distributed among Islamic banks’ customers in Kohat and Bannu divisions. A total of 400 questionnaires were distributed, and 340 valid questionnaires were selected for the final analysis. The results from the regression analysis indicate that the factors i.e., subjective norm, customer attitudes, knowledge, and social influence have a positive and significant effect on the intentions to use the ICC, but perceived financial cost shows a negative effect on the intentions to use ICC. Among the predictors, the subjective norm was found a very influential driver to forecast the intention to use ICC. Our results provide insights to managers of Islamic banks, policymakers, and Sariah scholars to understand how to promote ICC.
Type of Medium:
Online Resource
ISSN:
2709-6742
,
2709-6734
DOI:
10.52131/joe.2022.0404.0103
Language:
Unknown
Publisher:
International Research Alliance for Sustainable Development
Publication Date:
2022
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