Islamic Banking Consumer Behavior Analysis
Summary
Islamic banking consumer behaviour analysis examines how individuals make financial decisions in accordance with Islamic law, which prohibits interest (riba) and speculative transactions (gharar) while promoting risk-sharing and ethical investment. This research field integrates psychological and sociological models, particularly the Theory of Planned Behaviour, to explore how attitudes, social norms, perceived behavioural control and religiosity shape intentions and uptake of Shariah-compliant products such as murabaha financing, takaful insurance and sukuk. Empirical studies emphasise the influence of financial literacy, trust in Shariah governance and digital convenience on consumer choice. Cultural and demographic factors further inform segmentation strategies, revealing variations in product adoption across regions and income groups. As Islamic finance markets grow globally—from the Middle East and South-East Asia to Europe and Africa—insights into consumer drivers guide banks and fintech firms in tailoring product design, service delivery and educational initiatives. Ultimately, this analysis supports the development of inclusive, ethically grounded financial systems that meet both religious obligations and contemporary market demands.
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Islamic Banking Consumer Behavior Analysis publication trend
The graph below shows the total number of articles in islamic banking consumer behavior analysis across all publications each year (not limited to Nature Index journals).
Technical terms
Shariah-compliant: financial products and services structured in accordance with Islamic law prohibiting interest and ensuring risk-sharing.
Religiosity: the degree of religious commitment and observance influencing financial attitudes and decision-making.
Theory of Planned Behaviour: a behavioural model positing that intention is determined by attitude, subjective norms and perceived behavioural control.
Subjective norm: perceived social pressure to perform or refrain from a particular behaviour.
Perceived behavioural control: an individual’s perception of ease or difficulty in executing a specific action.
References
- Debt trap dynamics: The moderating role of convenience, financial literacy, and religiosity in credit card usage. Journal of Open Innovation: Technology, Market, and Complexity (2024).
- Understanding family takaful purchase behaviour: the roles of religious obligation and gender. Journal of Financial Services Marketing (2023).
- Credit-using behavior of Muslims in non-Muslim country:A study of Nakhon Si Thammarat, Thailand. Cogent Business & Management (2023).
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