Islamic Digital Banking Adoption in Muslim Countries: A Review

Abstract

Its primary goal is to provide a highly advanced review of digital banking adoption. It identifies and evaluates the most essential aspects of and challenges to Islamic bank customers adoption of digital banking. Furthermore, it outlines the most widespread implications of this adoption. This paper used a systematic literature review (SLR). Data were collected through Google Scholar Databases and 15 relevant articles were obtained to be reviewed. In order to have a good level of adoption of Islamic digital banking, the Islamic bank customers must have the capabilities, such as: [1] understanding Islamic banking concept; [2] understanding Islamic contracts (ijarah, murabahah, musyarakah, mudharabah, etc); [3] understanding technology information knowledge; and [4] understanding Islamic banking products. This research reviewed 15 papers published from 2012 to 2023 on the topic of Islamic digital banking adoption. The studies were classified into the following discussion topics. In addition, there are many kinds of theories or frameworks that can be used to analyze digital banking adoption, but UTAUT is still the main theory adopted by researchers to describe Islamic digital banking adoption.