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September 10, 2025˜The œcritical review of social sciences studiesOpen Access

The Personal Mindset of Religious Students to Use Islamic Banking Services: The Case of Pakistan

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Authors

KKKhalisanni KhalidMHMusharaf HanifZAZubair ArshadSuperior University

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Implication

The study examines how religious beliefs and social influences affect the adoption of sharia-compliant services among students.

Key Points

  • Strong religious adherence and trust drive students' intention to use islamic banking services, despite barriers.
  • Key factors include awareness, social influence, and perceived benefits, with a negative impact noted from subjective norms.
  • Mixed-methods approach combines survey data and interviews with 200 islamic scholars, yielding rich insights into consumer behavior.
  • Educational programs targeting awareness may enhance the use of sharia-compliant services among young consumers.

Cite This Study

Khalid et al. (2025) studied this question.

synapsesocial.com/papers/68c23d81b210217d6478d985https://doi.org/10.59075/qfpjg388
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Also Consider

Synapse has enriched 5 closely related papers on similar clinical questions. Consider them for comparative context:

  1. 1Determinants of Islamic Banking Adoption: Examining the Banking Workforce Perspectives through the Lens of Theory of Planned Behaviour2025
  2. 2Consumer behavior towards the acceptance of Islamic home financing.2025
  3. 3Faith and Finance: Understanding Muslim Consumers’ Identity in Pakistan’s Traditional Banking Sector2025
  4. 4Why is the Decision to Choose Sharia banking Low? Reading Role in Influencing Student Interest2025
  5. 5The Influence of Sharia Financial Literacy and Religious Attitudes on Investment Behavior among Muslim Millennials in Indonesia2025