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Islamic Credit Card Adoption: A Conceptual Framework
| Content Provider | Semantic Scholar |
|---|---|
| Author | Jamshidi, D. Anoushe Rezaei, Ali Mohamad |
| Copyright Year | 2012 |
| Abstract | Islamic banking system refers to a scheme in which attempt to achieve social and economic progress by considering right, wrong and ethics in financial operations. The potential benefits provided by Islamic banking scheme have extended application of this economic phenomenon around the world. Islamic banking system has as well emerged as an imperative component of financial system in context of Malaysia which has been able to contribute to economic growth of this country. Currently, Islamic banks in Malaysia are required to offer as many number as facilities and services possible in order to remain competitive and profitable in banking industry. Introduction of Islamic credit as an Islamic product that expand banks' operations portfolio and lead to attain more benefits is one of these varied facility offering by Islamic banks. However, even though Islamic credit card is issued by different banks in Malaysian banking context, there is high possibility that this Islamic financial product remains unnoticed by different bank clients. Therefore, current paper proposes a conceptual framework to investigate factors influencing Islamic credit card adoption and usage by Malaysian bank customers. The offered theoretical framework in this paper is underpinned based on Rogers' innovation diffusion theory (2003). The study finding would present compelling insights and information regarding Islamic credit card usage and adoption in context of Malaysia. In addition, the provided information of this paper would serve as a basis for more future studies in Islamic credit card area. Consistently, the theory that has been developed as current research's framework could as well be generalized in other Islamic banking and services context. Moreover, managers of Islamic banks and other Islamic credit card issuers could of prime importance in expanding the study finding to have better future for offering their Islamic credit card. |
| File Format | PDF HTM / HTML |
| Alternate Webpage(s) | http://ajbasweb.com/old/ajbas/2012/October/53-60.pdf |
| Language | English |
| Access Restriction | Open |
| Content Type | Text |
| Resource Type | Article |
