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A systematic review of customer Sharia compliance behaviour in Islamic banks: determinants and behavioural intention

Purpose: This study aims to investigate what past scholars have learned about Muslim consumer compliance behaviour in Islamic banks and identify what future research is needed. In addition, it also explores the relationship model between the previously studied determining factors and the customer’s...

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Main Authors: Andespa, Roni, Yeni, Yulia Hendri, Fernando, Yudi, Sari, Dessy Kurnia
Format: Article
Language:English
English
Published: Emerald Publisher 2024
Subjects:
HD28 Management. Industrial Management
HF Commerce
Online Access:http://umpir.ump.edu.my/id/eprint/41874/1/A%20systematic%20review%20of%20customer%20Sharia%20compliance%20behaviour%20in%20Islamic%20banks.pdf
http://umpir.ump.edu.my/id/eprint/41874/2/A%20systematic%20review%20of%20customer%20Sharia%20compliance%20behaviour%20in%20Islamic%20banks%20-%20determinants%20and%20behavioural%20intention.pdf
http://umpir.ump.edu.my/id/eprint/41874/
https://doi.org/10.1108/JIMA-06-2023-0181
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spelling my.ump.umpir.418742024-07-10T08:31:48Z http://umpir.ump.edu.my/id/eprint/41874/ A systematic review of customer Sharia compliance behaviour in Islamic banks: determinants and behavioural intention Andespa, Roni Yeni, Yulia Hendri Fernando, Yudi Sari, Dessy Kurnia HD28 Management. Industrial Management HF Commerce Purpose: This study aims to investigate what past scholars have learned about Muslim consumer compliance behaviour in Islamic banks and identify what future research is needed. In addition, it also explores the relationship model between the previously studied determining factors and the customer’s Sharia compliance behaviour. Design/methodology/approach: This study used a bibliometric–systematic literature review analysis using the Preferred Reporting Items for Systematic reviews and Meta-Analyses (PRISMA) technique by reviewing the articles published from 2013 to 2023. The PRISMA procedures involved several stages, including identification, screening, eligibility, analysis and conclusion based on the findings. Findings: The results found that customer Sharia compliance behaviour determinants in Islamic banks are attitude, subjective norms, perceived behavioural control, Islamic financial literacy, religiosity, consumer conformity, Islamic branding and behavioural intention. Interestingly, the results indicated that such factors as consumer conformity, Islamic branding and sustainable intentions are less discussed. Practical implications: Decision-makers in Islamic banks must use digital technology to offer better service and make operations more reachable for customers to access information, complete transactions and manage their accounts by Sharia principles. Therefore, the bank needs to continually produce innovative products and services so that customers have a greater variety of options to suit their Sharia-compliant financial needs. Theoretically, this study has contributed by finding the main critical domains influencing customers’ Sharia compliance behaviour, such as attitudes, subjective norms, perceptions of behavioural control, knowledge of Islamic finance, religiosity, consumer conformity, Islamic branding and behavioural intentions. Then, it makes a theoretical contribution by establishing a model that explains how customers make decisions based on Sharia-related factors in the context of their purchases. Originality/value: Past studies focused on the Sharia compliance behaviour in paying Zakat for takaful customers. Therefore, this study provides critical factors of Sharia compliance behaviour on conformity, Islamic branding and sustainable intention regarding unexplored consensus on the determinants and outcomes of customer Sharia compliance behaviour of Islamic banking. Emerald Publisher 2024-03-27 Article PeerReviewed pdf en http://umpir.ump.edu.my/id/eprint/41874/1/A%20systematic%20review%20of%20customer%20Sharia%20compliance%20behaviour%20in%20Islamic%20banks.pdf pdf en http://umpir.ump.edu.my/id/eprint/41874/2/A%20systematic%20review%20of%20customer%20Sharia%20compliance%20behaviour%20in%20Islamic%20banks%20-%20determinants%20and%20behavioural%20intention.pdf Andespa, Roni and Yeni, Yulia Hendri and Fernando, Yudi and Sari, Dessy Kurnia (2024) A systematic review of customer Sharia compliance behaviour in Islamic banks: determinants and behavioural intention. Journal of Islamic Marketing, 15 (4). pp. 1013-1034. ISSN 1759-0833. (Published) https://doi.org/10.1108/JIMA-06-2023-0181 10.1108/JIMA-06-2023-0181
institution Universiti Malaysia Pahang Al-Sultan Abdullah
building UMPSA Library
collection Institutional Repository
continent Asia
country Malaysia
content_provider Universiti Malaysia Pahang Al-Sultan Abdullah
content_source UMPSA Institutional Repository
url_provider http://umpir.ump.edu.my/
language English
English
topic HD28 Management. Industrial Management
HF Commerce
spellingShingle HD28 Management. Industrial Management
HF Commerce
Andespa, Roni
Yeni, Yulia Hendri
Fernando, Yudi
Sari, Dessy Kurnia
A systematic review of customer Sharia compliance behaviour in Islamic banks: determinants and behavioural intention
description Purpose: This study aims to investigate what past scholars have learned about Muslim consumer compliance behaviour in Islamic banks and identify what future research is needed. In addition, it also explores the relationship model between the previously studied determining factors and the customer’s Sharia compliance behaviour. Design/methodology/approach: This study used a bibliometric–systematic literature review analysis using the Preferred Reporting Items for Systematic reviews and Meta-Analyses (PRISMA) technique by reviewing the articles published from 2013 to 2023. The PRISMA procedures involved several stages, including identification, screening, eligibility, analysis and conclusion based on the findings. Findings: The results found that customer Sharia compliance behaviour determinants in Islamic banks are attitude, subjective norms, perceived behavioural control, Islamic financial literacy, religiosity, consumer conformity, Islamic branding and behavioural intention. Interestingly, the results indicated that such factors as consumer conformity, Islamic branding and sustainable intentions are less discussed. Practical implications: Decision-makers in Islamic banks must use digital technology to offer better service and make operations more reachable for customers to access information, complete transactions and manage their accounts by Sharia principles. Therefore, the bank needs to continually produce innovative products and services so that customers have a greater variety of options to suit their Sharia-compliant financial needs. Theoretically, this study has contributed by finding the main critical domains influencing customers’ Sharia compliance behaviour, such as attitudes, subjective norms, perceptions of behavioural control, knowledge of Islamic finance, religiosity, consumer conformity, Islamic branding and behavioural intentions. Then, it makes a theoretical contribution by establishing a model that explains how customers make decisions based on Sharia-related factors in the context of their purchases. Originality/value: Past studies focused on the Sharia compliance behaviour in paying Zakat for takaful customers. Therefore, this study provides critical factors of Sharia compliance behaviour on conformity, Islamic branding and sustainable intention regarding unexplored consensus on the determinants and outcomes of customer Sharia compliance behaviour of Islamic banking.
format Article
author Andespa, Roni
Yeni, Yulia Hendri
Fernando, Yudi
Sari, Dessy Kurnia
author_facet Andespa, Roni
Yeni, Yulia Hendri
Fernando, Yudi
Sari, Dessy Kurnia
author_sort Andespa, Roni
title A systematic review of customer Sharia compliance behaviour in Islamic banks: determinants and behavioural intention
title_short A systematic review of customer Sharia compliance behaviour in Islamic banks: determinants and behavioural intention
title_full A systematic review of customer Sharia compliance behaviour in Islamic banks: determinants and behavioural intention
title_fullStr A systematic review of customer Sharia compliance behaviour in Islamic banks: determinants and behavioural intention
title_full_unstemmed A systematic review of customer Sharia compliance behaviour in Islamic banks: determinants and behavioural intention
title_sort systematic review of customer sharia compliance behaviour in islamic banks: determinants and behavioural intention
publisher Emerald Publisher
publishDate 2024
url http://umpir.ump.edu.my/id/eprint/41874/1/A%20systematic%20review%20of%20customer%20Sharia%20compliance%20behaviour%20in%20Islamic%20banks.pdf
http://umpir.ump.edu.my/id/eprint/41874/2/A%20systematic%20review%20of%20customer%20Sharia%20compliance%20behaviour%20in%20Islamic%20banks%20-%20determinants%20and%20behavioural%20intention.pdf
http://umpir.ump.edu.my/id/eprint/41874/
https://doi.org/10.1108/JIMA-06-2023-0181
_version_ 1822924465861820416
score 13.232414

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