A conceptual model on behavioral intention to use mobile banking in Islamic Banks: the role of religiosity, perceived lifestyle, personal innovativeness and religious authority

The disproportionateness between mobile banking usage and Islamic banking development in Malaysia has sparked an important issue for Malaysian Islamic banks to address. Malaysia has a relatively low usage rate in terms of mobile banking, yet it is the centre for Islamic banking with among the highest market share amongst other countries. Therefore it is essential to analyse the reasons discuss the possible solutions for the low mobile banking usage rate so that Malaysian banking system which significantly include the Islamic banking to remain competitive along with the global mainstream banking. The main objective of this research is to examine the effects of Shariah compliance, perceived lifestyle and personal innovativeness as determinants of intention to adopt mobile banking among Islamic bank customers by means of literature research. It is hypothesised that these three proposed variables are additional important factors on top of the other factors in the attitude dimension in the Decomposed Theory of Planned Behaviour (DTPB) model that influence the consumer attitude and ultimately the consumer intention towards using mobile banking. The decomposed theory of planned behaviour is used as an underlying theory to explain how these factors explain behavioural intention to use mobile banking in Islamic banks