Predicting behavioural intention toward Islamic bank: a multi-group analysis approach

Purpose This study aims to examine behavioural intention towards Islamic bank including three determinants: religiosity, trust and image across customers and non-customers. Design/methodology/approach This study uses 400 samples, consisting of customers and non-customers of Islamic banks collected from Bandung, Indonesia. Partial least square was applied to evaluate the association between religiosity, trust, image and behavioural intention. Findings This study reveals a direct effect of religiosity on behavioural intention and indirect effect through trust and image for both customers and non-customers of Islamic banks. Although the impact of religiosity on trust, image and behavioural intention is significant in both the customer and non-customer sample, the effect of religiosity on the customer is higher compared to that of non-customer. Practical implications - This study provides an opportunity for Islamic bank managers to increase the behavioural intention among the customer, as well as non-customer. To increase behavioural intention amongst customers and non-customers, Islamic bank managers need to keep the bank operation compliant with the Sharia law, maintain a good image and gain trust from both customers and non-customers. Originality/value This study is the first attempt to evaluate the behavioural intention towards Islamic bank across customers and non-customers.