Abstract No study has concurrently verified the religious motives and attitudes that affected the customers’ continued intentions to use Islamic banks along with the importance of other factors and attributes associated with conventional banking services. This study examines factors affecting customers’ attitudes toward Islamic banks based on data obtained from interview surveys conducted in Jordan. The findings show that customers’ religious motives, their evaluations of a bank's compliance with Islamic law as an indication of the customers’ religious attitudes toward Islamic banks, and the ease of access to credit had a positive effect on the customers’ intentions to continue using Islamic banks. More specifically, the findings suggest that customers who continuously transact with Islamic banks more strongly emphasize religious attitudes, rather than credit constraints (such as the degree of access to credit) and religious motives. This study further reveals that religious attitudes, rather than mere religious motives, were the primary criterion for the customers’ continued intent to use Islamic banks, especially when considering the strong effect of their religious attitudes toward Islamic banks.

中文翻译：

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影响客户继续使用伊斯兰银行意图的因素

摘要没有一项研究同时验证了影响客户继续使用伊斯兰银行意图的宗教动机和态度，以及与传统银行服务相关的其他因素和属性的重要性。这项研究根据在约旦进行的访谈调查获得的数据，研究了影响客户对伊斯兰银行态度的因素。调查结果表明，客户的宗教动机，他们对银行是否遵守伊斯兰法律的评估，表明了客户对伊斯兰银行的宗教态度，以及获得信贷的便利性对客户继续使用银行的意图产生了积极影响。伊斯兰银行。更具体地说，调查结果表明，与伊斯兰银行进行持续交易的客户更加强调宗教态度，而不是信用约束（例如获得信贷的程度）和宗教动机。这项研究进一步揭示，宗教态度，而不只是宗教动机，是客户继续使用伊斯兰银行的主要标准，尤其是考虑到他们的宗教态度对伊斯兰银行的强烈影响时。