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The Interconnection between Level of Income and Tendency of Malaysian Community towards Adoption of Islamic Digital Banking

Author

Listed:
  • Muhammad Ridhwan Ab. Aziz

    (Faculty of Economics and Muamalat, Universiti Sains Islam Malaysia (USIM), Malaysia Author-2-Name: Muhammad Zakirol Izat Mustafar Author-2-Workplace-Name: Faculty of Economics and Muamalat, Universiti Sains Islam Malaysia (USIM), Malaysia Author-3-Name: Author-3-Workplace-Name: Author-4-Name: Author-4-Workplace-Name: Author-5-Name: Author-5-Workplace-Name: Author-6-Name: Author-6-Workplace-Name: Author-7-Name: Author-7-Workplace-Name: Author-8-Name: Author-8-Workplace-Name:)

Abstract

" Objective - This study is aimed to investigate the interconnection between the average income level and the tendency of the Malaysian community toward the adoption of Islamic digital banking. Methodology – This study used a quantitative survey questionnaire with 100 valid respondents. The data were collected within 3 months and the SPSS software was applied in this study to analyse the data using descriptive analysis. Cronbach's alpha tests were used to determine the reliability of multiple questions based on the Likert scale questionnaires in this study. Findings – The general finding of this study shows that the group with lower income levels is more responsive to the adoption of Islamic digital banking compared to the higher income group. It indicates that this group believed that Islamic digital banking can be beneficial to the community socially and economically in terms of perceived usefulness, perceived ease of use, and transaction cost. Novelty – The emergence of this study is to contribute the literature and reference related to Islamic digital banking for the interest of researchers, practitioners, and consumers in developing further research and the adoption of this platform in the future. Type of Paper - Empirical"

Suggested Citation

  • Muhammad Ridhwan Ab. Aziz, 2022. "The Interconnection between Level of Income and Tendency of Malaysian Community towards Adoption of Islamic Digital Banking ," GATR Journals jfbr198, Global Academy of Training and Research (GATR) Enterprise.
    • Handle: RePEc:gtr:gatrjs:jfbr198
    DOI: https://doi.org/10.35609/jfbr.2022.7.1(3)
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    References listed on IDEAS

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    1. Fortes, Nuno & Rita, Paulo, 2016. "Privacy Concerns And Online Purchasing Behaviour: Towards An Integrated Model /," European Research on Management and Business Economics (ERMBE), Academia Europea de Dirección y Economía de la Empresa (AEDEM), vol. 22(3), pages 167-176.
    2. Fred D. Davis & Richard P. Bagozzi & Paul R. Warshaw, 1989. "User Acceptance of Computer Technology: A Comparison of Two Theoretical Models," Management Science, INFORMS, vol. 35(8), pages 982-1003, August.
    3. S.S. Galazova & L.R. Magomaeva, 2019. "The Transformation of Traditional Banking Activity in Digital," International Journal of Economics & Business Administration (IJEBA), International Journal of Economics & Business Administration (IJEBA), vol. 0(Special 2), pages 41-51.
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    More about this item

    Keywords

    Digital Banking; Islamic Digital Banking; Income; Interconnection.;
    All these keywords.

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G24 - Financial Economics - - Financial Institutions and Services - - - Investment Banking; Venture Capital; Brokerage

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