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DETERMINANTS OF ADOPTION ATTITUDE TOWARDS ISLAMIC CREDIT CARDS USAGE
(UMT, Lahore, 2020) HAFIZA ANAM MASOOD
The basic purpose of this research study was to analyze and investigate the determinants of adoption attitude towards Islamic credit cards usage among the Islamic bank‟s customers of Pakistan. The study was conducted to measure the important factors that affect the attitude towards the usage of Islamic credit cards. The study also highlighted the major issues and challenges being faced in promotion of Islamic credit cards. A sample of 100 respondents was used for achieving the study objectives with the help of research instrument. The research also got feedback from Shariah scholars regarding the implementation of Islamic credit cards in Pakistan and Saudi Arabia. The study found that that knowledge, media awareness, family influence, religious beliefs and perception has direct association with the adoption attitude towards Islamic credit card usage. However, only perception, media awareness and religious belief plays significant contribution in adoption attitude towards Islamic credit card usage. The study also found that there is a need to resolve the legal issues related to the Islamic credit card in Pakistan so this is determined to examine these issues and to provide Shariah-based models, so that Islamic banks that provide Islamic credit card services can be of paramount importance in promoting the credit cards.