Do Religious Factors Influence Consumers’ Intention to Switch to Sharia Banking in Indonesia?

DOI

10.2991/978-94-6463-817-2_36How to use a DOI?

Keywords

Literacy in Islamic banking; Religious motivation; Belief; Trust in Sharia Bank; Switching intention

Abstract

The paper investigates the religious factors influencing the intention to switch to Sharia Bank in Indonesia. Switching intention often occurs among consumers who have choices and access to information about products or services that are being used or will be used. A broader choice that allows consumers to consider the option of product or service to be used by paying attention to factors that suit consumer needs and references [1]. One increasingly relevant phenomenon in this context is the shift in consumer behavior, which is influenced by the consumers’ religion. The data are gathered through an online self-administered questionnaire. The sample in this study was 260 conventional bank customers who were also Sharia bank customers in Indonesia. Smart PLS-SEM is used to analyze the data. The result showed that belief and trust in Islamic banks influence the intention to switch from conventional banks in Indonesia to a Sharia bank. The literacy of Islamic financial and religious motivations does not significantly affect the intention to switch from a conventional bank to a Sharia bank. This paper provides several factors rarely investigated previously in the context of religiosity in marketing literature. Hence, several factors in this research contribute significantly to the switching intention of Muslim consumers to Sharia banks from conventional banks.

Copyright

© 2025 The Author(s)

Open Access

Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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TY  - CONF
AU  - Elvira Azis
AU  - Ratih Hurriyati
AU  - Heny Hendrayati
AU  - Hilda Monoarfa
AU  - Arie Indra Gunawan
PY  - 2025
DA  - 2025/09/12
TI  - Do Religious Factors Influence Consumers’ Intention to Switch to Sharia Banking in Indonesia?
BT  - Proceedings of the 9th Global Conference on Business, Management and Entrepreneurship (GCBME 2024)
PB  - Atlantis Press
SP  - 293
EP  - 303
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6463-817-2_36
DO  - 10.2991/978-94-6463-817-2_36
ID  - Azis2025
ER  -