Application of Extended Theory of Planned Behavior on Muslims Intentions: Case of Islamic Banking in Spain
Application of Extended Theory of Planned Behavior on Muslims Intentions: Case of Islamic Banking in Spain
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Spain has seen a significant rise in the presence of Islam in the recent years, largely attributed to increased immigration from Muslim-majority countries to Europe. This demographic shift positions Spain as a potential emerging market for Islamic banking and finance (IBF). Hence, it is relatable to examine the perceptions of Muslims towards Islamic banking systems. This study aims to examine the determinants influencing Muslims' intentions towards Islamic banking in Spain. Using the Theory of Planned Behaviour (TPB), the study investigates the relationship between attitude, subjective norms, perceived behavioral control (PBC), awareness and knowledge, religiosity, service quality, and intention of Muslims to use Islamic banking. The study employed a 36-item structured survey instrument to gather data from 300 Muslim respondents residing in Catalonia, Spain. Descriptive statistics, reliability and validity analysis, and PLS-SEM technique was applied to test the hypothesized relationship among the variables. Smart PLS was used to analyze the data. The study finds that attitude, subjective norms, PBC, awareness and knowledge, and service quality have a significant impact on the intention to use Islamic banking products and services among Muslims. Furthermore, the study also asserted that religiosity did not demonstrate a statistically significant influence on behavioral intention. This research contributes to the growing body of Islamic behavioral finance literature by providing evidence from a non-Muslim-majority context. It offers novel insights into how Muslim minorities make financial decisions, and identifies key predictors that Islamic banks should target to enhance service adoption in Spain. The findings suggest that Islamic banking institutions can expand their outreach in Spain by focusing on customer-centric strategies that enhance awareness, highlight service quality, and leverage social influence.
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