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This study aims to examine the relationship between perceived risk and tourists’ trust. It also investigates the role of perceived value as a mediating variable on the link between perceived risk and trust. Moreover, the moderating role of religiosity on the link between perceived value and trust has also been highlighted.

The research population is all tourists who have visited West Sumatra Indonesia in the past two years. This research used a survey method using questionnaires and used purposive sampling as the sampling method. It collected 400 responses and after some preliminary tests, 352 usable responses have been analyzed. The authors used a covariance-based structural equation model using AMOS 24 as the data analysis tool.

This quantitative research found that perceived risk dimensions (health, environmental and financial risk) have significant impacts on perceived value. Perceived risk dimensions also have significant effects on trust except for health risk. It also found that perceived value has a significant impact on trust and finally, religiosity which has a significant moderating impact on the relationship between perceived value and trust.

This study is only one country study; hence, it has limited finding generalization. It needs to be expanded to other countries such as Southeast Asia countries. It only used three antecedents of trust, therefore, for future research; it might be extended to other antecedents such as cultural value, tourist efficacy and also some consequences of trust such as revisit intention and customer involvement. Finally, this is a cross-sectional study; hence, for future research, it might be expanded to a longitudinal study where the results are more generalized.

Trust will lead to tourist loyalty. Therefore, to establish trust, the managers need to provide the best services with pay attention to the tourist perceived risk. Moreover, it found that perceived risks will lead to tourists’ perceived value. Accordingly, to increase the tourist perceived value, the tourist destination managers have to minimize risk or uncertainty in the tourist destination such as environmental and health risk in the tourist destination. Finally, religiosity will strengthen the tourist trust, hence; the managers can attract and serve high religiosity tourists with Halal standard products and services.

This study has examined the relationship between perceived risk dimensions and perceived value which is not investigated in the previous studies. It also examined the mediating roles of perceived value on the link between perceived risk dimensions and trust. These mediating roles have not been addressed yet previously. Finally, it has also revealed a significant moderating effect of religiosity on the link between perceived value and trust which is neglected previously.

The purpose of this study is to investigate the influential factors of customer loyalty to Islamic banks, namely, service quality, customer satisfaction, customer engagement and religiosity.

This study is a survey of 335 Islamic bank customers in West Sumatra, Indonesia. This research deployed purposive sampling and analyzed the data by using covariance-based structural equation modeling.

Service quality has a positive and significant impact on customer satisfaction. Religiosity has a significant and negative moderating impact on the service quality–customer satisfaction relationship. Service quality has no significant influence on customer loyalty. Customer satisfaction is a significant antecedent of customer engagement and loyalty. Finally, customer engagement has a significant and positive effect on customer loyalty.

This study is a combination of cross-sectional and a single-country case. Accordingly, the results may not be representative of other countries. Similar studies in longitudinal data collection are conducted in other countries (e.g. ASEAN countries), which would therefore be worthwhile. Some antecedents of customer loyalty have been neglected in this study (e.g. customer value co-creation and customer commitment); hence, the future study may investigate those factors.

By considering these Islamic banks’ antecedents, the Islamic banks might enhance their customer loyalty. Also, this study has revealed the moderating role of religiosity in a loyalty relationship. Therefore, it will give insights for the Islamic bank managers in decision-making.

This study has revealed the moderating role of religiosity on the link between service quality and customer satisfaction in Islamic banks, which is, to the authors’ knowledge, neglected in the previous studies. The customers with high religiosity will have a higher standard of satisfaction and demand a better service quality than the customers with low religiosity. This study has also examined the relationships between service quality, religiosity, customer satisfaction, customer engagement and loyalty as a whole, which have been limited previously.

This study aims to examine the relationship between trust and its antecedents, i.e. customer satisfaction, perceived value and religiosity. The moderating roles of religiosity on the relationships between perceived value, satisfaction and trust also have been investigated in this study.

This research has carried out in West Sumatra Indonesia. The respondents of this study are Islamic bank customers from five areas in West Sumatra Indonesia. Data have been collected through Survey method. After some preliminary analyses, we employed 390 useable responses in the analysis. Covariance Based Structural Equation Modeling (CB-SEM) was employed to analyze the data.

This study found that religiosity has significant impacts on perceived value, customer satisfaction and trust. Perceived value and customer satisfaction are also significant antecedents of trust. Moreover, it found the significant moderating impact of religiosity on the link between perceived value and trust, and also on the link between customer satisfaction and trust.

This cross-sectional study has been conducted in a single country. Accordingly, this study may have a limitation in result generalization. Moreover, this study only focused on three antecedents of trust, including religiosity, satisfaction and perceived value. Therefore, for future research, we suggest conducting a longitudinal study in some Muslim countries such as Malaysia, Brunei Darussalam and Middle East countries. We also suggest employing other antecedents of customer trust, such as customer engagement and customer sociocultural.

Based on the research findings, the managers of Islamic banks will have input on how to improve their customers' trust by giving more attention to customer religiosity, perceived value and satisfaction. They can develop programs to increase customer perceived value and satisfaction such as a reward program to increase customer trust.

A more comprehensive model of the relationship between religiosity, perceived value, satisfaction and trust has been addressed in this study. This study also highlighted the significant moderating role of religiosity on the link between perceived value, satisfaction and trust which are neglected previously have also been highlighted in this study.