Determinant of intention to use Islamic banking products : A study among Reserve Officer Training Unit (ROTU) in Universiti Utara Malaysia

This study systematically to explore the determinants influencing the intention to adopt Islamic banking products within the Reserve Officer Training Unit (ROTU). Through the analysis of survey responses collected from a sample of 1200 ROTU members, the research is guided by two principal objectives. Firstly, it throughly examines the effect of demographic factors namely, age, gender, and educational background on the intention of ROTU members to choose for Islamic banking products. Secondly, the study meticulously explores the significance of customer intention, attitude, social influence, image and reputation, and ease of use as determinants influencing ROTU members in their selection of Islamic banking products. The empirically derived findings indicate a positive and measure relationship between the intention to use Islamic banking products and the specified determinants. The research outcomes contribute substantive insights of scholarly and practical value to both industry and academia, providing delicate and exploratory data on the knowledge dynamics within the ROTU members. Additionally, the study's results furnish a foundation for practical recommendations aimed at elevating the service efficiency of Islamic banks. This comprehensive investigation, grounded in empirical evidence, establishes a strong foundation for further scholarly inquiry and practical application in the realm of Islamic finance