Abstract:
Although Pakistani Islamic banks provide customers with attractive prospects and the nation at large, customer adoption remained low in Pakistan. This study looked at how Complexity and Service Quality affected consumer adoption of Islamic banking products and services in Pakistan using Rogers' (2003) Diffusion of Innovation Theory. The study examined the influence of Complexity and Service Quality on adoption. It was discovered that Complexity had no significant influence on adoption i.e. H1 was not supported while Service Quality had a significant influence on adoption, validating hypothesis H2.
