A Conceptual Model on Behavioural Intentions to use Mobile Banking in Islamic Banks: The Role of Religiosity, Perceived Lifestyle, Personal Innovativeness and Religious Authority

Abstract

The disproportionateness between mobile banking usage and Islamic banking development in Malaysia has created an important issue for Malaysian Islamic banks to address. Malaysia has a relatively low usage rate in terms of mobile banking, yet it is the centre for Islamic banking with the highest market share compared to other countries. Therefore, it is essential to analyse the reasons and possible solutions for the low mobile banking usage rate so that the Malaysian banking system, which significantly includes Islamic banking, can remain competitive with global mainstream banking. The main objective of this research is to examine the effects of Shariah compliance, perceived lifestyle and personal innovativeness as determinants of intention to adopt mobile banking among Islamic bank customers by using literature research. It is hypothesised that these three proposed variables are important factors in addition to the other factors in the attitude dimension in the Decomposed Theory of Planned Behaviour (DTPB) model that influences consumer attitudes and, ultimately, consumer intentions towards using mobile banking. The Decomposed Theory of Planned Behaviour is used as an underlying theory to explain how these factors are responsible for behavioural intentions to use mobile banking in Islamic banks.