Investigating the factors that influence acceptance of islamic credit card as a new banking product among public in Tawau / Rozaina Mohd Japar

Islamic banking expansion in the world is known as one of the most influential financial incident during the last three decades. These Sharia'ah based banking institutions are necessitated to remain innovative in order to achieve higher market share of spirited banking industry in the world. Accordingly, Islamic credit card as a new innovation has been issued by numerous Islamic as well as dual banking institutions. Nonetheless, it seems that this Islamic innovation services has not achieved adequate market share nor adopted by bank customers. Therefore, this conceptual study is an attempt to identify or determine the acceptance or adoption of Islamic Credit Cards (ICC). The study indicates several factors, which include, Syaria'ah Compliance, Religious, Reputation and Image, Trust and Attitude as Independent Variables. Meanwhile, Age, Marital Status, Level of Education, Occupation and Income are used as Moderator Factors.In conducting the research; this study assembled primary data from the people in Tawau District through a questionnaire survey which managed to get 107 respondents or participants. The study revealed that the Syaria'ah Compliance, Religious and Reputation and Image of Independent Variables (IV) and Level of Education (Qualification), Occupation and Income of Moderator Factors found to have strong and significant relationship with the adoption of Islamic Credit Card.