Islamic Credit Card Adoption Understanding: When Innovation Diffusion Theory Meets Satisfaction and Social Influence

ABSTRACT

Understanding the main determinants of Islamic credit card (ICC) adoption is important for banks and users. Grounded in Innovation Diffusion Theory, Theory of Reasoned Action, satisfaction, and social influence concepts, this study purposes and empirically tests an integrated model to explore which factors influence acceptance and use of ICC. To test the conceptual model, the data was collected from 967 bank customers and Partial Least Squares (PLS) technique was used to test the forecasting model. Results suggest that intentions to use and attitude toward use of ICC are mostly determined by relative advantage, compatibility, social influence, and satisfaction.