This paper examines the determinants of potential customers’ intention to purchase products and services from Islamic banks and the moderating effects of customer marketing practices and financial considerations. A research framework is developed which links communication considerations, financial considerations, customer attitudes, and behaviors. The questionnaire approach, confirmatory factor analysis, and hierarchical regression are used to examine the extent and direction of the relationship within the conceptualized research framework. We find, apart from perceived ease of online banking, that all conceptualized factors are important determinants of customers’ behavioral intention in Islamic banking. This study also finds that, with the exception of perceived risk, all moderators (namely customer–bank relationship, advertising, perceived ease of online banking, perceived potential benefits, and profit–loss sharing approach) intensify the customer attitude–behavioral intention nexus. Islamic banks should adopt various customer–bank relationship strategies and advertising to attract more customers. Further, Islamic banks may use simplified Arabic terms for products and services on their Web sites and online banking portals to convey their intended massage to non-Muslim customers as well.

中文翻译：

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影响伊斯兰银行行为意图的因素：客户营销实践和财务考虑因素的调节作用

本文研究了潜在客户从伊斯兰银行购买产品和服务的意图的决定因素，以及客户营销实践和财务考虑因素的适度影响。建立了一个研究框架，该框架将沟通考虑，财务考虑，客户态度和行为联系在一起。问卷调查法，验证性因素分析和层次回归用于检查概念化研究框架内关系的程度和方向。我们发现，除了人们认为在线银行的易用性之外，所有概念化因素都是伊斯兰银行业客户行为意图的重要决定因素。这项研究还发现，除了感知到的风险外，所有主持人（即客户与银行的关系，广告，网上银行的便利程度，潜在的好处以及利润/损失分担方法）加剧了客户的态度-行为意图的联系。回教银行应采取各种客户关系策略和广告，以吸引更多客户。此外，伊斯兰银行可能会在其网站和在线银行门户网站上使用简化的阿拉伯语术语来表示产品和服务，以向非穆斯林客户传达其预期的信息。