Factors Influencing Customer Intention And Actual Behavior Towards Islamic Banking Adoption. Empirical Evidence From Major Islamic Banks Of Pakistan.

This research examines the influence of perceived usefulness (PU), attitude (ATT) and perceived behavioral control (PBC) on intention (I) and actual behavior (AB). Intention is used as a mediator to find the linkage among PU, ATT, PBC and Actual Behavior (AB). The study findings show that all hypotheses are accepted. There is significant and positive relationship between PU, ATT, PBC, I and AB. Further (I) partially mediates the relationship between these variables. Findings show that PU, ATT and PBC positively and significantly influence the intention and subsequently actual behavior of customers of Islamic Banking. Quantitative research approach was applied to analyze the factors influencing customer intention and actual behavior towards Islamic Banking adoption from major Islamic banks of Pakistan. We analyzed the model with (Smart PLS 4– SEM) partial least square software. 430 responses were obtained from five major Islamic banks of Pakistan. This research can aid the Islamic Banks, higher authorities who make the policies and regulatory authorities to make the policies, introduce promotional deals and design services in such a manner that can positively influence the intention and actual behavior of Islamic Banking customers who tend to adopt the Islamic banking over conventional banking that is free of any interest (Riba).