The Moderating Role of Religiosity on the Relationship between Customer Attitudes and Intention to Adopt Islamic Banking in Nigeria

Abstract

Islamic banking patronage in Nigeria is still at low level compare to conventional banking. The low level of Islamic banking has to do with attitude of customer, inefficiency of market strategy and lack of proper awareness among customers in Nigeria. Although, a lot of researchers have made effort on how to increase acceptability of Islamic banking in Nigeria, yet the patronage is still below expectation. The purpose of this paper is to investigate the relationship between attitudes of customers toward Islamic banking adoption and intention to adopt Islamic banking in Nigeria using religiosity as a moderator. The paper propose a model which if validated may help Islamic banking system in Nigeria. Practical and theoretical implication were discussed in the paper.