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e - ISSN 2289 - 2559

Journal of Emerging Economies and Islamic Research


Volume 3, Number 1, Year 2015




Many past researches have been carried out in an attempt to continuously understand individuals’ consumption behaviour. This study was conducted to investigate key factors influencing consumers’ potential acceptance of halal (or permissible) financial credit card services. Specifically, it anticipated the influence of attitude, social influences and perceived control on consumers’ behavioural intention to accept such services. In addition, factors such as religiosity and product knowledge were also postulated to affect consumers’ attitude towards the act of using halal credit cards for any retail or business transactions. Using non-probability sampling approach, a total of 500 survey questionnaires was distributed to targeted respondents in a developing nation but only 220 usable feedbacks were received for subsequent data analysis. Regression results revealed that religiosity and product knowledge significantly influence consumers’ attitude toward using halal credit card services.  Attitude in turn, subsequently has a significant impact on consumers’ intention to accept halal financial credit card services. Several theoretical and managerial contributions were observed in this study.



Attitude, halal, credit card services, intention, religiosity, product knowledge


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