Al-Shaghdari, Fahd Mohammed Obad and Muhammad, Tijjani and Hashem, Osamah
(2025)
The mediating role of Shariah compliance in the acceptance of Islamic credit cards: evidence from Malaysia.
International Journal of Islamic Economics and Finance Research (IJIEFER), 1 (Special Issue).
pp. 33-47.
E-ISSN 2636-9419
Abstract
This study examines the mediating role of Shariah compliance in the acceptance of Islamic
credit cards (ICCs) among customers in Malaysia. The primary objective is to assess how
customer knowledge, perceived financial cost, and perceived advantage influence the
acceptance of ICCs, and whether these relationships are mediated by perceptions of Shariah
compliance. A quantitative research approach was adopted, involving the collection of survey
data from 220 ICC users. Data were analysed using Partial Least Squares Structural Equation
Modelling (PLS-SEM) to evaluate both direct and indirect relationships. The empirical
findings indicate that perceived advantage and Shariah compliance exert significant direct
effects on ICC acceptance, while customer knowledge and financial cost do not exhibit direct
statistical significance. Notably, Shariah compliance significantly mediates the relationships
between all three independent variables and ICC acceptance. These results emphasize the
pivotal role of Shariah compliance in shaping customer acceptance of Islamic financial
products. The study contributes to the theoretical discourse on Islamic customer behaviour and
offers practical insights for financial institutions aiming to enhance the adoption of Shariahcompliant
credit products in Malaysia.
Actions (login required)
 |
View Item |
Download Statistics
Download Statistics