Abstract
The study aims to determine consumers' perceptions of Islamic banking. Research should focus on identifying variables that influence bank selection, such as convenience, service quality, bank reputation, and religion. These factors affect Islamic finance acceptance. This study uses descriptive methodology to examine variables related to the current situation. This study surveyed 300 Islamic banking clients in Bahawalpur area of Punjab, Pakistan. This study indicates that religious conviction has a positive and significant effect on Islamic banking acceptability. This study contributes to the understanding of the factors influencing Islamic banking acceptability. In addition to reputation, there is a positive correlation between acceptance of Islamic banking and other characteristics (e.g., quality of service, ease of use, family, and friend relationships). Based on the findings of this research, Islamic banks will be in a position to identify variables that influence customer selection criteria. Further, research funding and time are limited, making it difficult to conduct broader research. It is particularly interesting that this study focuses on a region of Bahawalpur in the southern Punjab region; while recent studies have looked at entire nations, this study focuses on a region of southern Punjab. We will be able to determine how different variables influence Islamic banking acceptance based on the results of this study. Additionally, we will be able to assess the adaptations Islamic banks will need to make. The purpose of this study is to assist organizations in improving their operations as a means of increasing client loyalty. As a result of this research, the industry will be in a position to develop and implement effective strategies to operate in the southern Punjab region.
Published Version
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