Attitude Formation Towards Internet Banking of Islamic Banks

The advancement of technology has increased the importance of internet banking in the banking sector. This study examines the factors of customer attitude in adopting internet banking in Islamic banks. Nowadays, customers are very keen towards organizations that can fulfill their needs and demands, as well as ease of consumption. With intense competition from many rivals specifically from conventional banks, it is critical to study the adoption of internet banking in Islamic banks. A survey involving a sample size of 200 was conducted, targeting at internet banking users of Islamic banks in three major cities of Kuala Lumpur, Petaling Jaya and Shah Alam. The finding shows that service quality and customer role readiness are two of the determining factors, whereas organizational support and organizational socialization are not pertinent aspects that support customers' attitudes towards internet banking. The customers of Islamic bank, similar to the conventional banks, prefer internet banking due to the fact that they are ready to adopt the services. Sustainable competitive advantage is highly critical in an era of global business environment, especially with the development of technology. Hence, Islamic banks need to accelerate in creating innovative products and services in order to stay ahead in the banking industry.