ISSN: 2222-6990
Open access
Islamic banking has been expanding globally, transcending the religious backgrounds of various countries. While several studies suggest that the Islamic banking system exhibits greater stability than its conventional counterpart, but it still lags behind in countries with dual banking systems. The objective of this study is to investigate the critical factors that affect individuals' adoption of Islamic banking. Through a structured systematic review approach grounded in the ADO framework, the paper analyzes the underlying causes, decision pathways, and resulting effects of adopting Islamic banking. Additionally, it offers an overview of the theories, contexts, and methodologies (TCM) employed in prior research, concluding with a discussion on the extent to which these determinants impact the adoption of Islamic banking. The findings show that factors such as knowledge, social influence, psychological aspects, environmental conditions, and specific features of Islamic banking significantly impact customer adoption of Islamic banks.
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