The Personal Mindset of Religious Students to Use Islamic Banking Services: The Case of Pakistan

The main aim of my study is to determine the factors that have an influenced-on Sharia-Compliant Services on Islamic scholars (Students) in Pakistan using the "theory of planned behavior". In Pakistan, Sharia banks have not only Muslim customers, they have customers from other religions and communities who also use these Sharia-Compliant Services. This personal mindset of religious students (Scholars) in Pakistan is to use Sharia-Compliant Services. The research explores various factors influencing their decision, including religious beliefs, awareness and knowledge, perceived benefits, trust, and social influence. The primary purpose of this study is to analysis of consumer’s behavior, attitude, subjective norms, religious obligation, and societal influence on prophecy among Islamic scholars (Students) in Pakistan. The data collection for this study was conducted randomly among 200 Islamic scholars (Students) who have studied at a university and use Islamic banking. However, barriers such as a lack of awareness and perceived complexity remain significant. The study highlights the need for targeted educational programs to promote Sharia-compliant services among young consumers. This study aims to highlight the need for targeted educational programs to promote Sharia-compliant services among young consumers. This research has an empirical analysis that reveals a negative impact on Islamic sharia banking through subjective norms and community influence, while demonstrating a positive effect on intention to use Islamic banking through attitude and religious obligations. This study combines survey data from students across various educational institutions with in-depth interviews using a mixed-methods approach. The findings reveal a strong inclination towards Islamic banking among religious students, driven primarily by religious adherence and trust in Sharia-compliant financial products. However, barriers such as a lack of awareness and perceived complexity remain significant.