Empirical Investigation of Customers’ Perception and Adoption Towards Islamic Banking Services in Morocco

The main purpose of the study is to examine the willingness of the Moroccan customers to adopt Islamic banking services and the factors that may influence their decision. A total of 200 questionnaires were randomly distributed to Moroccan banking customers, out of which 146 were properly filled an...

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Main Authors:	Echchabi, Abdelghani, Abd. Aziz, Hassanuddeen
Format:	Article
Language:	English
Published:	2012
Online Access:	http://irep.iium.edu.my/29210/ http://irep.iium.edu.my/29210/1/Empirical_Investigation_of_Customers%E2%80%99_Perception.pdf

id	iium-29210
recordtype	eprints
spelling	iium-292102013-02-26T23:54:03Z http://irep.iium.edu.my/29210/ Empirical Investigation of Customers’ Perception and Adoption Towards Islamic Banking Services in Morocco Echchabi, Abdelghani Abd. Aziz, Hassanuddeen The main purpose of the study is to examine the willingness of the Moroccan customers to adopt Islamic banking services and the factors that may influence their decision. A total of 200 questionnaires were randomly distributed to Moroccan banking customers, out of which 146 were properly filled and returned. Multiple regression and one sample t-test were subsequently applied. The results showed that uncertainty, relative advantage, compatibility, awareness as well as subjective norm, have a significant impact on the attitude towards Islamic banking services in Morocco. Likewise, normative belief was also found to have a significant influence on subjective norm, with particular reference to the parents, siblings, peers and colleagues, as the main referent groups. In addition, facilitating conditions was found to have a significant influence on perceived behavioural control and finally attitude, subjective norm and perceived behavioural control were found to have a significant impact on the intention to adopt Islamic banking services in Morocco. It is worth noting that complexity does not have any influence on attitude and self efficacy does not have any influence on perceived behavioural control as well. On the other hand, the results have also shown that the Moroccan customers are willing to shift to Islamic banking services, with a slight preference of long run adoption i.e. three years and above. This study is one of the earliest to be conducted on customers’ perception and willingness to adopt Islamic banking services in Morocco. The study also extends the decomposed theory of planned behaviour to a different setting and also to a different area of study. 2012 Article PeerReviewed application/pdf en http://irep.iium.edu.my/29210/1/Empirical_Investigation_of_Customers%E2%80%99_Perception.pdf Echchabi, Abdelghani and Abd. Aziz, Hassanuddeen (2012) Empirical Investigation of Customers’ Perception and Adoption Towards Islamic Banking Services in Morocco. Middle-East Journal of Scientific Research, 12 (6). pp. 849-858. ISSN 1990-9233
repository_type	Digital Repository
institution_category	Local University
institution	International Islamic University Malaysia
building	IIUM Repository
collection	Online Access
language	English
description	The main purpose of the study is to examine the willingness of the Moroccan customers to adopt Islamic banking services and the factors that may influence their decision. A total of 200 questionnaires were randomly distributed to Moroccan banking customers, out of which 146 were properly filled and returned. Multiple regression and one sample t-test were subsequently applied. The results showed that uncertainty, relative advantage, compatibility, awareness as well as subjective norm, have a significant impact on the attitude towards Islamic banking services in Morocco. Likewise, normative belief was also found to have a significant influence on subjective norm, with particular reference to the parents, siblings, peers and colleagues, as the main referent groups. In addition, facilitating conditions was found to have a significant influence on perceived behavioural control and finally attitude, subjective norm and perceived behavioural control were found to have a significant impact on the intention to adopt Islamic banking services in Morocco. It is worth noting that complexity does not have any influence on attitude and self efficacy does not have any influence on perceived behavioural control as well. On the other hand, the results have also shown that the Moroccan customers are willing to shift to Islamic banking services, with a slight preference of long run adoption i.e. three years and above. This study is one of the earliest to be conducted on customers’ perception and willingness to adopt Islamic banking services in Morocco. The study also extends the decomposed theory of planned behaviour to a different setting and also to a different area of study.
format	Article
author	Echchabi, Abdelghani Abd. Aziz, Hassanuddeen
spellingShingle	Echchabi, Abdelghani Abd. Aziz, Hassanuddeen Empirical Investigation of Customers’ Perception and Adoption Towards Islamic Banking Services in Morocco
author_facet	Echchabi, Abdelghani Abd. Aziz, Hassanuddeen
author_sort	Echchabi, Abdelghani
title	Empirical Investigation of Customers’ Perception and Adoption Towards Islamic Banking Services in Morocco
title_short	Empirical Investigation of Customers’ Perception and Adoption Towards Islamic Banking Services in Morocco
title_full	Empirical Investigation of Customers’ Perception and Adoption Towards Islamic Banking Services in Morocco
title_fullStr	Empirical Investigation of Customers’ Perception and Adoption Towards Islamic Banking Services in Morocco
title_full_unstemmed	Empirical Investigation of Customers’ Perception and Adoption Towards Islamic Banking Services in Morocco
title_sort	empirical investigation of customers’ perception and adoption towards islamic banking services in morocco
publishDate	2012
url	http://irep.iium.edu.my/29210/ http://irep.iium.edu.my/29210/1/Empirical_Investigation_of_Customers%E2%80%99_Perception.pdf
first_indexed	2023-09-18T20:42:51Z
last_indexed	2023-09-18T20:42:51Z
_version_	1777409481176514560

Empirical Investigation of Customers’ Perception and Adoption Towards Islamic Banking Services in Morocco

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