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Behavioural intention and adoption of internet banking among clients’ of Islamic banks in Malaysia: an analysis using UTAUT2

Hassanudin Mohd Thas Thaker (Sunway University, Selangor, Malaysia)
Mohamed Asmy Mohd Thas Thaker (International Islamic University Malaysia, Kuala Lumpur, Malaysia)
Ahmad Khaliq (International Islamic University Malaysia, Kuala Lumpur, Malaysia)
Anwar Allah Pitchay (University Sains Malaysia, Goergetown, Malaysia)
Hafezali Iqbal Hussain (Taylor’s Business School, Taylor’s University, Subang Jaya, Malaysia and University of Economics and Human Sciences in Warsaw, Warsaw, Poland)

Journal of Islamic Marketing

ISSN: 1759-0833

Article publication date: 1 February 2021

Issue publication date: 29 March 2022

3106

Abstract

Purpose

This study aims to investigate the behavioural intention and adoption of internet banking (IB) among clients of local and foreign Islamic banks in Malaysia.

Design/methodology/approach

Survey questionnaires were distributed among the Islamic banks’ clients at two main states, namely, Kuala Lumpur and Selangor. The number of clients involved is 319 (n = 319). The data was analysed using the partial least square (PLS) and theoretically, the research framework in this study is guided by the unified theory of acceptance and use of technology 2 (UTAUT2).

Findings

The smart PLS analysis yielded three main outcomes, namely, the variables such as performance expectancy, effort expectancy, price value, facilitating conditions and habit have a positive influence over the behavioural intention and subsequently lead to the adoption of IB. The other two variables, namely, social influence and hedonic motivation were negatively-related and insignificant for behavioural intention. Third, this paper also noticed that facilitating conditions and habits have a direct relationship with the adoption of IB.

Practical implications

Based on the findings, Islamic banks can take necessary action to design a better policy to further accelerate the usage of IB among their client. By identifying those factors, this, perhaps, can allow Islamic banks to invest more ideas on those significant factors that influence their interest, and subsequently leads to good business to Islamic banks as the clients nowadays are looking for simplicity and convenience factors when using IB.

Originality/value

This research is expected to enhance existing literature on internet banking, especially in Islamic banking research on the technological edge. Limited research has been done in Malaysia, particularly on the intention and continuous adoption of IB in Islamic banks using the UTAUT2 framework. This would be breakthrough research in identifying factors that influence customers’ continuous adoption of IB.

Keywords

Citation

Mohd Thas Thaker, H., Mohd Thas Thaker, M.A., Khaliq, A., Allah Pitchay, A. and Iqbal Hussain, H. (2022), "Behavioural intention and adoption of internet banking among clients’ of Islamic banks in Malaysia: an analysis using UTAUT2", Journal of Islamic Marketing, Vol. 13 No. 5, pp. 1171-1197. https://doi.org/10.1108/JIMA-11-2019-0228

Publisher

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Emerald Publishing Limited

Copyright © 2020, Emerald Publishing Limited

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