Determinants of Attitude of Customers towards Usage of Islamic Credit Card: A Study of Graduate Students of Kolej Universiti INSANIAH

Abstract

This study examines the factors that influence the attitude of customers toward utilization of Islamic credit cards among graduate students of Kolej Universiti Insaniah. The factors which are included in this study are perceived ease of use, perceived usefulness, knowledge on the Islamic credit card, financial cost and trust. The study adopts the application of the technology acceptance model (TAM) to capture factors which have impact on the usage of Islamic credit cards. The result from the regression shows that trust is the most significant predicting variable on the attitude to use Islamic credit cards with the 24.9% explanation on the variance. Three variables out of the five independents variables; trust, knowledge and financial cost jointly explained 40 % of the variance of attitude toward using Islamic credit cards. The remaining variables, perceived ease of use and perceived usefulness do not have a significant contribution in predicting attitude toward using Islamic credit card.