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Understanding the important patronage factors of Islamic credit card as a new e-commerce banking service is essential for bankers and users. Although some previous studies have focused on the factors that influence adoption of Islamic credit card, there are few empirical research studies that use a well-established adoption model that helps bankers and consumers to accept and use the Islamic credit card. This study aims to provide such a model to facilitate the adoption of Islamic credit card.

In response, a conceptual model was developed that combines the Technology Acceptance Model (TAM) with perceived religiosity (a new developed construct in this study) and trust to explain usage intention of this new banking product. Accordingly, the data were collected from 327 bank customers, and the results supported the applicability of TAM to describe usage behavior of Islamic credit card. Besides, the newly developed construct (perceived religiosity) increased the TAM power regarding explaining adoption of a new e-commerce banking service.

Theoretically, the results of this study advocate that perceived religiosity increase the TAM predictive power to clarify intention to use. While, perceived usefulness, perceived ease of use and attitude explained low level of the variance regarding intention to use, by adding perceived religiosity to TAM, these constructs contributed to an increase in the described variance, therefore offering a better explanatory power. In addition, the proposed joint TAM, perceived religiosity and trust explained 57.1 per cent of usage behavior variance. These results are of prime importance, as, to the best of the authors’ knowledge, this is the first study that proves the applicability of TAM for explaining adoption and usage of the Islamic credit card.

The findings of the current study showed that perceived usefulness is an important factor effecting people’s intention to use the Islamic credit card. Consequently, managers need to first ensure that the Islamic credit card and its services are technically sound and work in an appropriate manner. The focus should be on promoting speed, efficiency and effectiveness of this new product. In financial part, there is a need to reduce the interest rate in the long run to encourage potential users to consider the usage of the Islamic credit card and its offered services.

Although debit and credit cards are widely accepted, consumers still have significant concerns pertaining to the risk of the cards’ usage. Mobile payment (m-payment) acts as identification and a virtual card for consumers, and is viewed as more secure than card payments. However, the influence of consumers’ appraisal of debit and credit cards usage and using m-payment on the adoption intention of m-payment is unclear. Using the protection motivation theory, the purpose of this paper is to explore the effect of risk appraisal of using debit or credit cards and coping appraisal of using m-payment on the adoption intention of m-payment.

A total of 418 volunteers participated in this study, and structural equation modeling was employed to test the employed conceptual model.

The results revealed that risk appraisal (i.e. vulnerability, severity and benefit) of using debit or credit cards did not affect m-payment adoption intention. Moreover, self-efficacy and response efficacy positively affected m-payment adoption intention, whereas response cost negatively influenced m-payment adoption intention.

Both theoretical and practical implications are presented in this paper for m-payment marketers to develop effective communication strategies for promoting m-payment adoption.

There is limited research on consumer intention and credit card adoption in the transitional economies of Southeast Asia. The purpose of this paper is to investigate the key elements that influence an individual’s intention of adopting credit cards in the transitional economy Vietnam.

A questionnaire was developed based on the technology adoption literature. After data cleaning, 595 responses were deemed valid. Factor analysis (EFA and CFA) was utilized on split samples, and a structural equation model developed to identify the influential technology adoption factors.

The analysis found strong support for the hypotheses theoretically developed. In the transitional economy of Vietnam, consumer’s intention to adopt credit cards was influenced by “Perceived usefulness (PU),” “Perceived ease of use (PEOU),” “subjective norm (SN),” “perceived self-efficacy (PSE)” and “Anxiety”. However, “perceived financial cost (PFC)” was not a significant factor.

The use of cross-sectional data does not enable the analysis of time sequence of the determinants of consumer intention.

This research provides a body of knowledge on modern banking payment systems and credit card utilization factors in the transitional economy of Vietnam which has relevance for other transitional as well as developing economies of Southeast Asia, and is a good reference source for foreign investors, banks and card service companies.

To date, there are no studies that explore the interaction between “PU,” “PEOU,” “PFC,” “SN,” “PSE,” “Anxiety” and “Behavioral Intention” in the context of the Vietnamese credit card market, nor other transitional markets in Southeast Asia.

Develops an original 12‐step management of technology protocol and applies it to 51 applications which range from Du Pont’s failure in Nylon to the Single Online Trade Exchange for Auto Parts procurement by GM, Ford, Daimler‐Chrysler and Renault‐Nissan. Provides many case studies with regards to the adoption of technology and describes seven chief technology officer characteristics. Discusses common errors when companies invest in technology and considers the probabilities of success. Provides 175 questions and answers to reinforce the concepts introduced. States that this substantial journal is aimed primarily at the present and potential chief technology officer to assist their survival and success in national and international markets.

The purpose of this paper is to present exploratory research into the holding and usage of credit cards by a distinct segment of the Chinese population, who are “early adopters” of this product.

Primary data collection using survey methodology. A sample of the urban‐affluent population in China was utilized to gauge preferences and attitudes towards the use of credit cards.

The respondents were comfortable with the holding and use of credit cards and particularly recognised their value for spending on travel and entertainment. The research also identified purchase trigger points, which indicated that the use of credit cards for purchases above certain value was already prevalent with this sample of urban‐affluent Chinese consumers.

The sample was drawn from a narrower base than the actual target population of urban‐affluent market, but an available and valid respondent set, which offers insights into the “early‐adopters” of the credit card product in China.

Hitherto there has been a very limited amount of research into payment cards in China and yet with the market for financial services opening up in China from 2007, this research is timely both for domestic Chinese banks wishing to issue credit cards and for foreign entrants, seeking to enter the Chinese market via their expertise in credit cards.

The paper presents focused research on the attitudes towards credit cards, with the urban‐affluent consumers, who are the most likely early‐adopters of this product.

Studies adoptions of four different payment systems in ten countries during 1988‐96. Adoption curves are estimated from secondary data concerning ATMs and banker’s cards. Usage of a previously introduced payment system appeared to affect the adoption of a system innovation. Based on the shape of the adoption curves and the estimation of external and internal influences from the social system, it was concluded that the adoption process was almost exclusively driven by internal influences, i.e. social learning. Draws conclusions for the introduction of the smart card.

The purpose of this paper is to investigate how referral reward programs (RRPs) utilizing scarcity messages influence bank credit holders’ referrals to and adoptions by close or distant friends.

A 2×2 experiment is implemented with 760 consumers solicited through Amazon’s Mechanical Turk worker panel. Logit transformation and general linear models are used to test the proposed hypotheses.

Results showed that offering RRPs with limited available referrals (quantity scarcity) increases the overall number of referrals to and adoptions by close and distant friends. The percent of strong ties also increases with RRPs. As quantity scarcity is relaxed, the percentages of referrals to and adoptions by close friends decrease.

The inclusion of tie strength with scarcity framing greatly enhances our understanding of the effectiveness of RRPs for bank credit cards. To the authors’ knowledge, this is the first research attempt on this topic.

The purpose of this study is to develop a theoretical model for consumer behavioral intention by integrating the technology acceptance model (TAM) and the theory of perceived risk, which is tested on the intended use of credit cards in Vietnam.

The data were collected from 485 bank customers through a nationwide online survey. An exploratory and confirmatory factor analyzes were performed to validate the factor structure of the measurement items while structural equation modeling was used to validate the proposed model and testing the hypotheses.

The results of structural equation modeling reveal that perceived risk, perceived usefulness, social influence and perceived ease of use were significant determinants of consumer intention to use a credit card. Of them, only perceived risk discouraged the intended use of a credit card, which was synthesized from psychological, financial, performance, privacy, time, social and security risk.

This study measured the first-order risk dimensions based on the payment function of the credit card only; these measurements missed potential losses relevant to credit function of credit cards.

This study can be beneficial to banks enacting policies to attract more consumers and to help decide how to allocate resources to retain and expand their customer base.

The study adds value to the literature on consumer behavior by confirming the impact of second-order perceived risk on the intended use of credit cards, which most previous studies have not demonstrated. The research also provides an empirical evidence to the academic research platform on e-banking services in Vietnam, especially related to the credit card industry.

One challenge when launching new banking services is to overcome resistance to change so as to accelerate market acceptance. This is the case of Islamic credit card (ICC). In response, this study aims to develop a conceptual framework that combines the innovation diffusion theory (IDT) and the theory of reasoned action (TRA) with religious obligation and customer awareness to explain behavior intention and usage behavior of ICC.

To test the conceptual model, the data are collected from 649 bank customers in Malaysia, and the structural equation modeling technique is used to test the forecasting model.

The study results support some relationships of IDT and TRA, such as relative advantage, compatibility, trialability, observability, attitude and also the customer awareness as a stronger predictor of intention of ICC.

To the author’s knowledge, there have not been any attempt to develop a conceptual model for identifying the factors that influence the adoption of ICC by integrating IDT and TRA and other added measures. Therefore, this study adds to the body of knowledge regarding ICC adoption studies by extending the IDT in this domain and integrating it with TRA as two well-established models in the area of acceptance and usage behavior studies.

The purpose of this paper is to develop a new Islamic credit card model that is in line with Shariah principles and can be adopted as an alternative to contemporary Islamic credit card models by Islamic financial institutions in Malaysia.

This paper is theoretical in nature and mainly based on descriptive research method approach.

The overall findings indicate that the contemporary practice of Islamic credit card in Malaysia is still controversial in its design and operation. Moreover, the adoption and practice of Shariah contracts in bay’ al-inah, tawarruq and ujrah models are not in line with fundamental doctrines of Shariah and are imbued with the practice of hilah (legal trick), which allows them to circumvent the prohibition of riba. The paper indicates that Al-Muqassah model possibly has a comparative advantage in design and operation when compared with the bay’ al-inah, tawarruq or ujrah models.

The paper is limited to develop a new Shariah-compliant Islamic credit card model. The paper presents a design and defines the underlying Islamic financial contracts and their working mechanisms in the proposed model. However, it will not address other related areas like consumer perception, legal and regulatory requirements.

The paper will have direct implications on contemporary practice of Islamic credit card in Malaysia and elsewhere. The practice of Al-Muqassah model can also possibly have effects on common well-being and economic development.

The paper has relevance for Islamic financial institutions offering Islamic credit cards. The proposed model is fully in line with fundamental doctrines of Shariah and performs the key functions of an Islamic credit card.