Investigating the Customer’s Intention to Use Islamic Personal Financing

• Published in: Studies in Systems, Decision and Control
• Main Author: Aziz N.I.M.; Zakaria S.H.; Othman H.; Anas A.S.; Kadir A.H.A.; Ahmad N.A.
• Format: Book chapter
• Language: English
• Published: Springer Science and Business Media Deutschland GmbH 2025
• Online Access: https://www.scopus.com/inward/record.uri?eid=2-s2.0-85214692548&doi=10.1007%2f978-3-031-71526-6_28&partnerID=40&md5=536aede44491001f7540e397c34c0030

The global prohibition imposed by foremost fatwa bodies in the Islamic world on the applications of Islamic Personal Financing instruments in Malaysia banking has resulted in adverse effects, including a bad perceptions and reputations for the country’s banking industries. Accordingly, this article aims to explore the factors influencing customers on their intention to use Islamic Personal Financing. The data collection was gathered by questionnaire distribution to 150 respondents and were analysed using SPSS, to test the statistically significant relationship among all variables. The findings of this study indicated that financial knowledge, technological adoption awareness, and perceived behavioural control influenced the intention to use Islamic Personal Financing. Hence, all hypotheses were supported by the findings. Implications of these study will give a valuable insight for Islamic financial institutions and policymakers through implementing effective educational and marketing strategies to enhance financial literacy and foster increased adoption of Islamic personal financing products and services among Muslim consumers. Furthermore, outcomes of this study are expected to benefit on the growth of economic of the nation by fostering the development of Islamic banks and financial institutions. © The Author(s), under exclusive license to Springer Nature Switzerland AG 2025.