The Influence of Services Marketing Mix (7 Ps.) and Subjective Norms on Customer’s Satisfaction in Islamic Banks of Palestine

The purpose of this study was to examine the relationship between services marketing mix (product, price, place, promotion, people, process and physical evidence) on customer Satisfaction. Additionally, this study also explored the role of subjective norms towards customer satisfaction in Islamic Banks of Palestine. Customer satisfaction is one of the essential factors for the success of a company. In order to achieve the high customer satisfaction, companies must know when and how their customers are satisfied about the products and services. The majority of companies follow a conventional marketing strategy, but some companies choose to follow a religious or spiritual marketing strategy such as the Islamic marketing strategy. Conventional marketing strategies satisfy the customers based on the current needs of the customer, whereas, Islamic marketing strategies satisfy the customers based on the human values, marketing cultures, and Islamic rules and regulations (shariah laws). Structural equation model was used for the testing of hypothesized relationships. Finally, study concluded that marketing mix and subjective norm significantly influence on customer satisfaction in Islamic Banking context. Keywords: Services marketing mix (7Ps), Subjective Norms, Customer Satisfactio

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Predicting customer’s intentions to use internet banking: the role of technology acceptance model (TAM) in e-banking

Information and communication technology (ICT) developments and trends in recent years have had great impacts on banking sector worldwide. Therefore, the disruptive innovative technology has accelerated changes in the way of banking business. The purpose of this paper is to explore the factors that influence on Pakistani customer’s intentions to adopt internet banking. The sample used in this empirical study includes 265 responses of internet banking users collected through structured questionnaire. For statistical analysis, structural equation model (SEM) approach was used. The present study suggests that internet banking use increases as long as customer perceives it as useful tool. Findings confirmed that perceived usefulness, perceived ease of use and attitude were the key constructs for promoting internet banking usage in Pakistan. Furthermore, the importance performance matrix analysis has shown that attitude was the most important factor. Thus, banks can focus on cultivation of positive attitudinal beliefs about internet banking among prospect cus-tomers

A structural equation model for evaluating user’s intention to adopt internet banking and intention to recommend technology

Although several prior research projects have focused on the factors that impact on the adoption of information technology, there are limited empirical research works that simultaneously capture technology factors (UTAUT2) and customer specific factors (perceived technology security and intention to recommend) helping users adopt internet banking. Thus, the current study aims to develop an integrated technology adoption model with extended UTAUT model and perceived technology security to predict and explain user’s intention to adopt internet banking and intention to recommend internet banking in social networks. A quantitative approach based survey was conducted to collect the data from 398 internet banking users. For statistical analysis, structural equation model (SEM) approach was used. Convergence and divergence with earlier findings were found, confirming that performance expectancy, effort expectancy, social influence, hedonic motivation and perceived technology security had significant influence on user’s intention to adopt internet banking. Additionally, IPMA analysis show that among all constructs hedonic motivation and perceived technology security had the highest impact on user’s intention to adopt internet banking. For researcher, this study provides a basis for further refinement of technology adoption model while for practitioner improving security factor (perceived technology security) may turn users towards adoption of internet banking

Service quality in Islamic banks: The role of PAKSERV model, customer satisfaction and customer loyalty

In service oriented industry, it is very difficult to set a standard rule to satisfy customers. As customer awareness increases on the service offered by banks, expectation from services quality increases too. Quality of a service in banking industry plays an essential role in measuring the performance of banks. Thus, the present study examines the PAKSERV model to measure customer satisfaction and customer loyalty of Islamic Banks in Palestine. A survey method was adopted where data was collected from 482 respondents through structured questionnaire. Structural equation model (SEM) was applied to check the hypothesis relationship between proposed constructs. Statistical finding revealed that PAKSERV model had significant impact on customer satisfaction and customer loyalty in Islamic banks of Palestine. Results also revealed that in cultural context PAKSERV model was the most appropriate scale and had predictive power of service quality in banking industry of Palestine. The findings of this study will be helpful for managers and policy makers to improve the service quality in Islamic banks of Palestine

Investigating the role of unified theory of acceptance and use of technology (UTAUT) in internet banking adoption context

Several studies have made known that internet banking (IB) implementation is not only advanta-geous for banks, but also by perception and experience of IB users. Therefore, little is known about factors propelling user’s intention to adopt internet banking in Pakistan. Thus, the purpose of this research is to investigate the role of unified theory of acceptance and use of technology (UTAUT) in internet banking adoption context. A quantitative approach based survey was conducted to col-lect the data from 398 internet banking users. For statistical analysis structural equation model (SEM) approach was used. The result of this study indicates that, UTAUT model provided a good theoretical foundation in technology adoption investigation. Findings confirmed that all four predic-tors (performance expectancy, effort expectancy, social influence and facilitating condition) were significant and had significant amount of variance in predicting user’s intention to adopt internet banking. Additionally, the IPMA test revealed that performance expectancy was the most important factor among all other variables to predict user’s intention towards adoption of internet banking. Lastly, managerial implications, limitations and future recommendations are discussed

Intention to Purchase Halal Cosmetics: Do Males and Females Differ? A Multigroup Analysis

As Muslims bound to Islamic teachings, the attitude of young millennials preferring non-halal international cosmetics is trivial. Despite the acceptance of halal food, literature on the acceptance of halal cosmetics remains scarce. The intention to purchase halal cosmetics is crucial for the sustainability of halal cosmetics manufacturers. The authors used the theory of planned behavior to identify factors influencing the purchase intention of halal cosmetics among Muslim millennials. Since cosmetics are not exclusively used by females, as males are starting to use them in their daily lives, gender was incorporated into the framework to assess its moderating effect on the relationship. Furthermore, brand image was included in the theory of planned behavior. Data were collected from three universities in Malaysia. A total of 501 responses were analyzed with smart partial least squares to run a multigroup analysis. The analysis revealed that subjective norms have a stronger effect on females, and perceived behavioral control has a greater effect on males. Although attitude and brand image have a positive effect on the intention to purchase halal cosmetics, gender has no effect. The findings are essential for halal cosmetics manufacturers to craft a marketing strategy aimed at Muslim millennials in Malaysia