Factors influencing Malayan Banking Berhad (Maybank) customers in choosing Islamic credit card: a case of Maybank Islamic Ikhwan Card-i / Siti Afifah Amir

This study investigates the factors influencing the selection of Islamic credit cards among the principal cardholders of Maybank Ikhwan Card-i by employing the modified model of Theory of Reasoned Action (TRA) model. This study is important to analyze the acceptance of Islamic credit cards for further enhancement and expanding its market share in Malaysia. In addition, there is lacked of research being conducted on the determinants of factors affecting the selection of Islamic credit cards. Due to this fact, this study examined the effect of attitude, subjective norm and perceived financial cost in selection of Islamic credit cards. 100 questionnaires were distributed randomly to Maybank Islamic Ikhwan Card-i cardholders who lived in Bangsar. The data then were analyzed using Statistical Package of Social Sciences 22.0. The result indicates that attitude becomes the most important factors that influence the selection of Islamic credit cards. Subjective norm come close after attitude in influencing the selection of Islamic credit cards. Perceived financial cost, in contrary, is insignificant and have a negative impact on the selection of Islamic credit cards. The findings generated from this study serve as a basis for more future researches in the context of Islamic credit cards. Further, the bank benefits the most as this could be used to enhanced future planning of their Islamic credit cards services. More importantly, this study can act as eye opener on the need to establish links between the TRA model and Islamic credit card behavioral intention.