Abstract:

Islamic financing has been increasingly adopted by various kinds of consumers from the 1970s, with the global banking environment now including Islamic banking. Therefore, the willingness to use Islamic banking among consumers is important to assess. Existing research of an empirical nature is lacking on the subject, despite academic marketing papers acknowledging the significance of usage intentions related to Islamic banking. Therefore, Jordan’s Islamic banking environment and consumers’ intentions to adopt it are explored in this research. A self-distributed survey, which achieved 218 responses, was adopted for data collection. Additionally, linear regressions were mitigated through adopting Structural Equation Modelling. Islamic banking usage intention was found to be significantly affected by viewpoints, social effects and religious identity. However, the respondents’ intentions did not show the effect of awareness as significant. In order to understand these issues further, alternative methodologies and further research is advocated.