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"Financial services industry Technological innovations Islamic countries."
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Acceptance of Islamic banking as innovation: a case of Pakistan
Purpose This study aims to investigate the factors that determine the customer adoption of Islamic banking in Pakistan. Design/methodology/approach This paper aims to use a sample of 540 Islamic bank customers located in the biggest city of Pakistan (Karachi). This study is based on the diffusion of innovation (DOI) theory and analyzed the role of five attributes (compatibility, relative advantage, complexity, observability and trialability) along with the consumer awareness about the customer adoption of Islamic banking. Additionally, the present research also considers Islamic banking as a new idea (innovation) in Pakistan under the framework of DOI theoretical assumptions. The exploratory and confirmatory factor analyses are applied to the sample data. The theoretical framework is then tested using structural equation modeling. Findings The findings of the study revealed that all five attributes of the DOI theory are positively and significantly related to the customer adoption of Islamic banking. The customer awareness also proved its importance in the hypothesized model by representing a positive and significant relationship. Originality/value The present study provides a useful guideline for the Islamic bank managers and the academicians to better understand the customer adoption of Islamic banking.
Journal Article
Comparison Of Efficiency And Productivity Changes Of Islamic And Conventional Banks: Evidence From Europe And Muslim-Majority Countries?
This paper examines the efficiency performance of Bosna Bank International (BBI) in Bosnia-Herzegovina and Islamic Bank of Britain (IBB) in the UK, against small conventional banks in each country and also against small and large Islamic banks from Muslim-majority countries. This paper also estimates the productivity changes of IBB and BBI relative to small Islamic banks, within and outside Europe, and relative to small conventional banks in the UK and Bosnia respectively. Finally, this paper utilizes OLS regression analysis to check the robustness of the overall data envelopment analysis (DEA) results, as well as to determine the impact of internal and external factors on bank's efficiency. The analysis covers the 4-year period from 2005 through 2008. The findings suggest that IBB and BBI are technically inefficient. In comparison with small banks, inefficiency is largely due to mismanagement. Inefficiency becomes scale in nature relative to large Islamic banks. As compared to Islamic banks, BBI yields higher pure technical efficiency than IBB, but IBB records higher positive growth in estimated efficiency. IBB and BBI yield upward growth in total factor productivity and technical efficiency but record negative growth in technology innovations . Results also suggest that the IBB and BBI lag relatively behind their conventional peer banks in terms of efficiency and productivity performance. BBI shows much better efficiency performance relative to conventional banks than IBB. Overall, a bank that is more efficient is found to be larger, more profitable, acquire less debt, invest more in skills, and operates in countries with a higher GDP per capita.
Journal Article
BUSINESSCLUB
Especially since modern applications rely on understanding the markets, sectors, and companies needs for competitive solutions, SSS Process CEO Alaa Ensheiwat said. wi-tribe sponsors Microsoft Open Door 2010 wi-tribe, a wireless broadband Internet service provider, has participated as the exclusive Internet provider in Microsoft Open Door 2010, held at the Sheraton Hotel in Amman in December last year.
Newsletter
BUSINESS CLUB
Graduation certificates were presented by Nasima Fakhiri, the commissioner for environment and health control, Shadi Ramzi Majali, the general manager of Aqaba Development Corporation on behalf of Mohammad Saqr, the chairman of Aqaba Special Economic Zone, and Mahmoud Seif Sharif, the general manager of Tkiyet Um Ali, also a group of institutions and major companies attended the graduation such as ACT, the Social Security Corporation and Tala Bay.
Newsletter