Islamic Credit Card Adoption Understanding: When Innovation Diffusion Theory Meets Satisfaction and Social Influence

Dariyoush Jamshidi · Nazimah Hussin

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Technology Adoption and User Behaviour Islamic Finance and Banking Studies Consumer Behavior and Marketing Influence

Abstract

Understanding the main determinants of Islamic credit card (ICC) adoption is important for banks and users. Grounded in Innovation Diffusion Theory, Theory of Reasoned Action, satisfaction, and social influence concepts, this study purposes and empirically tests an integrated model to explore which factors influence acceptance and use of ICC. To test the conceptual model, the data was collected from 967 bank customers and Partial Least Squares (PLS) technique was used to test the forecasting model. Results suggest that intentions to use and attitude toward use of ICC are mostly determined by relative advantage, compatibility, social influence, and satisfaction.

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References

2003User Acceptance of Information Technology: Toward A Unified View1 2000A Theoretical Extension of the Technology Acceptance Model: Four Longitudinal Field Studies 2011PLS-SEM: Indeed a Silver Bullet 2015A primer on partial least squares structural equation modeling (PLS-SEM)1970Back-Translation for Cross-Cultural Research 2003Diffusion of innovations.2014A primer on partial least squares structural equation modeling (PLS-SEM)2009\nThe use of partial least squares path modeling in international marketing

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