Purpose

Considering the speedy growth of Islamic finance and limited research work on Muslim behavior regarding Islamic Banking, this study aims to investigate to comprehend the stimulus of religiosity on customer’s behavior.

Design/methodology/approach

A conceptual model is developed on existing literature. The key dimensions of religiosity in the model include practice, knowledge, experience and consequences to capture the whole religiosity of customers. Model of the study investigates the impact of customer’s religiosity on their behavior in decision-making about selection of Islamic bank. Analysis of the study is based on the sample of 370 customers of Islamic banks from District Nowshera Khyber Pakhtunkhwa, Pakistan. The data for the study collected through random sampling by a comprehensive survey questionnaire. Binary logistic model is used to test the data for statistical analysis.

Findings

The key findings of the study suggest that religiosity influence customer behavior positively in decision-making regarding Islamic finance. Service standards of Islamic banking has also significant impact on customer perception, while the financial education of the customers has insignificant impact on customer behavior.

Research limitations/implications

This study mainly focused on the curiosity of the customer religious commitment, so religiosity is a vast phenomenon; there are deep sections in each dimension of religiosity, so further study is suggested for the comprehensive capture of each dimension of religiosity.

Practical implications

The results of the study have a great importance for the managers of Islamic finance industry to identify and detect the potential customers and divide the target market of banking industry on the base of religiosity. Furthermore, the study may bring significant managerial suggestions for marketing planners and can help them in market segmentation strategies.

Originality/value

The study examined the association between Muslim religiosity and Islamic banking customer’s selection behavior. This study spread the understanding of religiosity and its impact on Islamic banking customer’s behavior. Furthermore, the study is valuable to discover the level to which religiosity determines the inclinations of customers. This study helps marketing practitioners and researchers to grow their knowledge about customer’s motives in terms of religious commitment.

中文翻译：

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基于宗教信仰的行为研究、伊斯兰金融用户的方法和选择标准：来自巴基斯坦的经验证据

目的

考虑到伊斯兰金融的快速发展以及有关伊斯兰银行业务的穆斯林行为的研究工作有限，本研究旨在调查了解宗教信仰对客户行为的刺激。

设计/方法论/途径

概念模型是在现有文献的基础上开发的。模型中宗教信仰的关键维度包括实践、知识、经验和后果，以捕捉客户的整体宗教信仰。该研究模型调查了客户的宗教信仰对其选择伊斯兰银行决策行为的影响。该研究的分析基于巴基斯坦 Nowshera Khyber Pakhtunkhwa 区伊斯兰银行 370 名客户的样本。该研究的数据是通过综合调查问卷随机抽样收集的。二元逻辑模型用于测试数据进行统计分析。

发现

该研究的主要发现表明，宗教信仰对伊斯兰金融决策中的客户行为产生积极影响。伊斯兰银行的服务标准对客户认知也有显着影响，而客户的金融教育对客户行为影响不显着。

研究局限性/影响

本研究主要关注顾客对宗教信仰的好奇心，因此宗教信仰是一个广泛的现象；宗教性的各个维度都有深入的部分，因此建议进一步研究以全面捕捉宗教性的各个维度。

实际影响

研究结果对于伊斯兰金融业管理者识别和发现潜在客户、根据宗教信仰划分银行业目标市场具有重要意义。此外，该研究还可以为营销策划者带来重要的管理建议，帮助他们制定市场细分策略。

原创性/价值

该研究考察了穆斯林宗教信仰与伊斯兰银行客户选择行为之间的关联。这项研究传播了对宗教信仰及其对伊斯兰银行客户行为影响的理解。此外，这项研究对于发现宗教信仰在多大程度上决定顾客的倾向也很有价值。这项研究帮助营销从业者和研究人员增加对客户宗教信仰动机的了解。