INFLUENCE OF TECHNOLOGY ACCEPTANCE FACTORS AND SHARIAH COMPLIANCE ON BEHAVIORAL INTENTION TOWARDS ISLAMIC BANKING INDUSTRY
Nahid Ramadan; Dr. Nazimah Hussin
Abstract: Current literature shows that Islamic banks need to develop favourable customer’s behavioural intentions, which is imperative as they could positively impact banks results. Thus, behavioural intention is a commonly applied concept to measure consumers’ possibility to repurchase, use or adopt Islamic banking. This concept is a relatively accurate predictor of customer retention and defection. In the same vein, literature has recognized and provided compelling arguments that sharia’ compliance is an essential driver for consumer’s behavioural intention toward Islamic banking. However, just a few studies have examined the drivers of customers’ behavioural intention toward Islamic banking products. Moreover, the literature lacks addressing the role of sharia’ compliance to behavioural intention toward Islamic banking, which has been ignored. This conceptual paper puts forth a research model using technology acceptance dimensions and sharia’ compliance to examine their influence on behavioural intention toward Islamic banks.
[ FULL TEXT PDF 1-6 ] DOI: 10.30566/ijo-bs/2021.08.57
THE IMPACT OF RISK MANAGEMENT ON THE IMPLEMENTATION OF BASEL III BY THE LIBYAN BANKING INDUSTRY
Ayoub Salem Mustafa Algreed; Dr. S. M. Ferdous Azam, Dr. Adam Amril Jaharadak
Abstract: The importance of banking for the functioning of the economy and the origin of the funds that finance it motivates the concern of monetary authorities for the stability of these institutions. The sub-prime crisis of 2008 highlighted the risks that affect the banking industry and the associated cost to the economy when they are not properly managed, and their risk is mitigated. The current study has used the quantitative research approach. In the quantitative approach, the researchers used the questionnaire to collect the primary data from the research respondents. The study population was the staff who work in the Libyan banking industry, and the samples were 310 respondents.
The findings of this research have confirmed a positive and significant relationship between risk management and the implementation of Basel III by the Libyan banking industry. Basel III recommends that the authorities monitor the growth of bank credit and other indicators to assess whether excessive risks are being generated in the system financially. Based on this assessment, the authorities would decide when to activate the countercyclical capital to contain excessive credit expansion and, therefore, minimize the probability of severe banking problems.
[ FULL TEXT PDF 1-8 ] DOI: 10.30566/ijo-bs/2021.08.56