The Mediating Effect of Attitude on Customers’ Behavioural Intention to Participate in Islamic Banking: Empirical Evidence
Bibliographic record
Abstract
Purpose - This paper examines the mediating effect of positive attitude (ATT) and subjective norm (SJN) on customers’ behavioral intention to participate in Islamic banking in Nigeria using the Theory of Reasoned Action (TRA) as a basis.Design/methodology/approach - Data were collected using a self-administered questionnaire with 274 samples. This study used the convenience sampling technique.Findings – The authors found a positive and significant relationship between the factors in the model. The findings highlight the relevance of attitude in the structural model. The findings further show that attitude has a positive effect in mediating the relationship between awareness, knowledge, religion and the behavioural intention of customers.Originality/value - This paper highlights the need for policymakers, regulators and Islamic banking operators to create proper awareness through effective communication with customers on the benefits of Islamic banking and the provision of a platform for knowledge enhancement to promote a positive attitude among the different segments of society and which in turn can influence their intention to participate in Islamic banking.
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How this classification was reachedexpand
Full frame machine prediction
Teacher imitationNot calibrated prevalence, not ground truth. Human validation pending. The Gemma side is a direct model label for every work in the frame, read from the title-only record. The Codex side is a classifier learned from the 10,348 direct Codex labels and calibrated to design-weighted sample rates; fields without enough sample support carry no Codex call. Candidate is the union of the two sides; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels.
Distilled classifier scores by category (both heads)
| Category | Codex | Gemma |
|---|---|---|
| Metaresearch | 0.003 | 0.012 |
| Meta-epidemiology (narrow) | 0.000 | 0.000 |
| Meta-epidemiology (broad) | 0.000 | 0.001 |
| Bibliometrics | 0.001 | 0.001 |
| Science and technology studies | 0.001 | 0.001 |
| Scholarly communication | 0.002 | 0.001 |
| Open science | 0.001 | 0.001 |
| Research integrity | 0.001 | 0.002 |
| Insufficient payload (model declined to judge) | 0.009 | 0.001 |
Machine scores (provisional)
The two teacher heads of the student model, read on this work. A score orders the frame for review; it never asserts a category, and the validation status ships verbatim with every row.
Baseline scores from an immature model (maturity gate not passed, 7 training rounds). Scores rank; they never assert a category.
score_only:v0-immature-baseline · verbatim from the scoring run: score_only means the number may rank works, and no category label ships from itClassification
machine, unvalidatedMachine predicted; a candidate call from one source (direct Gemma or distilled Codex), not a consensus.
How this classification was reached, model by model and score by score, is at the end of the page under "How this classification was reached".