| Summary: | Islamic banking has been a crucial part in the banking industry of Malaysia for over
thirty years and has successfully contributing to the economic growth of the country.
Since its emergence in year 1983, Islamic banking industry has shown a slow progress
compared to its counterpart every year. The market share only achieved an average of
34.3 percent in Islamic assets, deposits and financing since it was launched and it is still
dominated by the conventional banking. Meanwhile, Malaysia government hopes to
push it over 40 percent by 2020. Therefore, this study took place to examine some
important factors that affected the adoption of Islamic banking products and services
especially on Islamic deposit and financing schemes offered. This study only focuses
on young generation which consists of students in higher educational institution. The
data is based on samples gathered from students of Universiti Sultan Zainal Abidin
(UniSZA). 310 out of 373 distributed questionnaires were returned and usable to
analyse. IDM SPSS Version 23.0 was used to analyse the data and to test the hypotheses.
Descriptive analysis, Independent Samples t-test, ANOVA, Correlation analysis and
Multiple Regression analysis were the statistical tools employed to address the
objectives of the study. The findings show that awareness ofIslamic banking attributes,
uncertainty and perceived information quality are the factors that affected the adoption
of Islamic banking products and services among UniSZA students. However,
promotional efforts is not significant to the adoption of Islamic banking products and
services.
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