___

• Abraham, C., & Sheeran, P. (2003). Implications of goal theories for the theories of reasoned action and planned behaviour. [Article]. Current Psychology, 22(3), 264-280.
• Abrams, D., & Hogg, M. A. (1988). Comments on the motivational status of self‐esteem in social identity and intergroup discrimination. European Journal of Social Psychology, 18(4), 317-334.
• Agarwal, R., & Prasad, J. (1998). A conceptual and operational definition of personal innovativeness in the domain of information technology. Information systems research, 9(2), 204-215.
• Ajisafe, R., & Ajide, F. (2014). Bank competition and economic growth: Evidence from Nigeria. Journal of Emerging Trends in Economics and Management Sciences, 5(5), 419.
• Ajzen, I. (1991). The theory of planned behavior. Organizational behavior and human decision processes, 50(2), 179-211.
• Ajzen, I. (2011). The theory of planned behaviour: Reactions and reflections. Psychology & Health, 26(9), 1113-1127.
• Ajzen, I., & Fishbein, M. (2005). The influence of attitudes on behavior. The handbook of attitudes, 173, 221.
• Al-Salem, F. H. (2009). Islamic financial product innovation. International Journal of Islamic and Middle Eastern Finance and Management, 2(3), 187-200.
• Alam Choudhury, M., & Wajdi Dusuki, A. (2008). Banking for the poor: the role of Islamic banking in microfinance initiatives. Humanomics, 24(1), 49-66.
• Alam, S. S., Janor, H., Zanariah, C. A. C. W., & Ahsan, M. N. (2012). Is religiosity an important factor in influencing the intention to undertake Islamic home financing in Klang Valley? World Applied Sciences Journal, 19(7), 1030-1041.
• Amin, H., AbdulRahman, A., & AbdulRazak, D. (2012). Is the theory of planned behaviour valid for Islamic home financing? Munich Personal RePEc Archive (MPRA).
• Amin, H., AbdulRahman, A., & AbdulRazak, D. (2013). An integrative approach for understanding Islamic home financing adoption in Malaysia. International Journal of Bank Marketing, 31(7), 544-573.
• Amin, H., Ghazali, M. F., & Supinah, R. (2010). Determinants of Qardhul Hassan financing acceptance among Malaysian bank customers: An empirical analysis. International Journal Business and Society, 11(1), 1-16.
• Amin, H., Rahim, A. A., & AbdulRazak, D. (2014). Consumer acceptance of Islamic home financing. International Journal of Housing Markets and Analysis, 7(3), 307-332. doi: doi:10.1108/IJHMA-12-2012-0063
• Amin, H., Rahman, A. R. A., Sondoh Jr, S. L., & Hwa, A. M. C. (2011). Determinants of customers' intention to use Islamic personal financing: The case of Malaysian Islamic banks. Journal of Islamic Accounting and Business Research, 2(1), 22-42.
• Anderson, J. C., & Gerbing, D. W. (1988). Structural equation modeling in practice: A review and recommended two-step approach. Psychological bulletin, 103(3), 411.
• Armitage, C. J., & Conner, M. (2001). Efficacy of the theory of planned behaviour: A meta-analytic review. British journal of social psychology, 40(4), 471-499.
• Aziz, Z. A. (2006). Islamic Banking and Finance Progress and Prospects Collected Speeches: 2000-2006. Malaysia: Bank Negara Malaysia.
• Bagozzi, R. P., Yi, Y., & Phillips, L. W. (1991). Assessing construct validity in organizational research. Administrative Science Quarterly, 421-458.
• Bangudu, O. (2013). Huge profits by Nigerian banks in 2012 are credible-analysts Retrieved Monday 14th April, 2014, from http://www.premiumtimesng.com/business/133729-huge-profits-by-nigerian-banks-in-2012-are-credible-analysts.html
• Bigne-Alcaniz, E., Ruiz-Mafé, C., Aldas-Manzano, J., & Sanz-Blas, S. (2008). Influence of online shopping information dependency and innovativeness on internet shopping adoption. Online Information Review, 32(5), 648-667.
• Bley, J., & Kuehn, K. (2004). Conventional versus Islamic finance: Student knowledge and perception in the United Arab Emirates. International Journal of Islamic Financial Services, 5(4), 17-30.
• Boddington, A. L. (1949). Statistics and their Application to Commerce. London: H.F. Lynch & co. ltd.
• BusinessNews. (2013). Jaiz bank recorded operating loss of N1.07billion in 2012 Retrieved 21st March, 2014, from
• http://businessnews.com.ng/2013/12/21/jaiz-bank-recorded-operating-loss-n1-07billion-2012/?cbn.gov.ng. (2011). Bullion:
• Chih-Chien, W., Li-Chuan, W., & Yann-Jy, Y. (2005). Innovativeness and mobile phone replacement: An empirical study in Taiwan. [Proceeding]. Asia Pacific Advances in Consumer Research, 6, 280-283.
• Chin, W. W. (1998). The partial least squares approach to structural equation modeling. In G. A. Marcoulides (Ed.), Modern methods for business research (pp. 295-336). Mahwah, New Jersey, London: Lawrence Erlbaum Associates.
• Citrin, A. V., Sprott, D. E., Silverman, S. N., & Stem Jr, D. E. (2000). Adoption of internet shopping: the role of consumer innovativeness. Industrial management & data systems, 100(7), 294-300.
• Cohen, J. (1988). Statistical power analysis for the behavioral sciences (2 ed.). Hillsdale, NJ:Erlbaum.
• Dodaj, A. (2012). Social desirability and self-reports: Testing a content and response-style model of socially desirable responding. Europe’s Journal of Psychology, 8(4), 651-666.
• Dogarawa, A. B. (2012). Global financial crisis and the search for new financial architecture: Can Islamic finance provide alternative. Journal of Islamic Economics, Banking and Finance, 8(4), 33-48.
• Durán, J.-J., & García-López, M.-J. (2012). The Internationalization of Islamic banking and finance: The co-evolution of institutional changes and financial services integration. [Article]. International Journal of Business & Management, 7(13), 49-74. doi: 10.5539/ijbm.v7n13p49
• Dusuki, A. W., & Abdullah, N. I. (2007). Why do Malaysian customers patronise Islamic banks? International Journal of Bank Marketing, 25(3), 142-160.
• Echchabi, A., & Abd. Aziz, H. (2012). Modelling the patronisation behaviour of Islamic banks’ customers in Morocco. International Journal of Management and Strategy, 3(5), 1-14.
• economywatch.com. (2016). Nigeria labor force by occupation Retrieved Wednesday, 24th August 2016, from http://www.economywatch.com/economic-statistics/Nigeria/Labor_Force/
• Ekwere, U. (2012). 14 banks record N305bn Q2 profit Retrieved Monday 14th April, 2014, from http://www.punchng.com/news/14-banks-record-n305bn-q2-profit/
• Erol, C., & El-Bdour, R. (1989). Attitudes, behaviour, and patronage factors of bank customers towards Islamic banks. International Journal of Bank Marketing, 7(6), 31-37.
• ey.com. (2013). The World Islamic banking competitiveness report 2013-2014 Retrieved Thursday 23rd October, 2014, from http://www.ey.com/Publication/vwLUAssets/EY_-_World_Islamic_Banking_Competitiveness_Report_2013
• ey.com. (2014). World Islamic banking competitiveness report 2014-15 Retrieved Tuesday, 9th June, 2015, from http://www.ey.com/Publication/vwLUAssets/EY-world-islamic-banking-competitiveness-report-2014-15/$FILE/EY-world-islamic-banking-competitiveness-report-2014-15.pdf
• Ezinwa, B. C., Okafor, C. O., & Onyike, I. E. (2013). Press coverage of Islamic banking controversy in Nigeria: A job not well done. New Media and Mass Communication, 19, 25-34.
• Falk, R. F., & Miller, N. B. (1992). A primer for soft modeling: . Ohio: The University of Akron, Akron Press.
• Fishbein, M., & Ajzen, I. (1975). Belief, attitude, intention and behavior: An introduction to theory and research. Reading, MA: Addison-Wesley.
• Fishbein, M., & Ajzen, I. (2010). Predicting and changing behavior: The reasoned action approach. New York: Taylor & Francis Group.
• Flynn, L. R., & Goldsmith, R. E. (1993). Identifying innovators in consumer service markets. [Article]. Service Industries Journal, 13(3), 97-109.
• Fornell, C., & Larcker, D. F. (1981). Evaluating structural equation models with unobservable variables and measurement error. Journal of Marketing Research, 39-50.
• Gait, A., & Worthington, A. C. (2007). A primer on Islamic finance: Definitions, sources, principles and methods. Faculty of Commerce-Papers, 341.
• Garba, A. (2014). The establishment of Islamic banks in Nigeria, the controversies it generated: Understanding the operational principles of Islamic banking. Journal of Islamic Economics, Banking and Finance, 10(2), 54-71.
• Gefen, D., Straub, D., & Boudreau, M.-C. (2000). Structural equation modeling and regression: Guidelines for research practice. Communications of the association for information systems, 4(1), 7.
• Geisser, S. (1974). A predictive approach to the random effect model. Biometrika, 61(1), 101-107.
• Gelbard, M. E., Hussain, M. M., Maino, M. R., Mu, M. Y., & Yehoue, M. E. B. (2014). Islamic Finance in Sub-Saharan Africa: Status and Prospects: International Monetary Fund.
• Gerrard, P., & Cunningham, J. B. (1997). Islamic banking: A study in Singapore. International Journal of Bank Marketing, 15(6), 204-216.
• Godin, G., & Kok, G. (1996). The theory of planned behavior: A review of its applications to health-related behaviors. American journal of health promotion, 11(2), 87-98.
• Goldsmith, R., & Flynn, L. R. (1991). Identifying innovators in consumer product markets. European Journal of Marketing, 26(12), 42-55.
• Goldsmith, R., & Flynn, L. R. (1992). Identifying innovators in consumer product markets. European Journal of Marketing, 26(12), 42-55.
• Goldsmith, R. E. (2001). Using the domain specific innovativeness scale to identify innovative internet consumers. Internet Research, 11(2), 149-158.
• Goldsmith, R. E. (2002). Explaining and predicting consumer intention to purchase over the internet: An exploratory study. Journal of Marketing Theory and Practice, 22-28.
• Goldsmith, R. E., & Hofacker, C. F. (1991). Measuring consumer innovativeness. Journal of the Academy of Marketing Science, 19(3), 209-221.
• Hair, J. F., Black, W. C., Babin, B. J., & Anderson, R. E. (2010). Multivariate data analysis: A global perspective (7 ed.). USA: Pearson Education, Inc.
• Hair, J. F., Ringle, C. M., & Sarstedt, M. (2011). PLS-SEM: Indeed a silver bullet. Journal of Marketing Theory and Practice, 19(2), 139-152.
• Hair Jr, J. F., Hult, G. T. M., Ringle, C. M., & Sarstedt, M. (2014). A primer on partial least squares structural equation modeling (PLS-SEM). United State of America: SAGE Publications, Incorporated.
• Hanif, M. (2014). Differences and similarities in Islamic and conventional banking. International Journal of Business and Social Sciences, 2(2).
• Haron, S., & Azmi, W. (2005). Marketing strategy of Islamic banks: A lesson from Malaysia. Paper presented at the International Seminar on Enhancing Competitive Advantage on Islamic Financial Institutions, Jakarta.
• Henseler, J., Ringle, C. M., & Sinkovics, R. R. (2009). The use of partial least squares path modeling in international marketing. Advances in International Marketing (AIM), 20, 277-320.
• Honohan, P. (2004). Financial development, growth and poverty: how close are the links? Financial Development and Economic Growth (pp. 1-37): Springer.
• Hornsey, M. J. (2008). Social identity theory and self‐categorization theory: A historical review. Social and Personality Psychology Compass, 2(1), 204-222.
• Idris, A. (2013). Nigeria: Why banks return to profit making Retrieved Thursday, 4th April, 2014, from http://allafrica.com/stories/201305130994.htmlImam, P. A., & Kpodar, K. (2015). Is Islamic Banking Good for Growth? : International Monetary Fund.
• Iqbal, Z., & Shafiq, B. (2015). Islamic finance and the role of Qard-al-Hassan (Benevolent Loans) in enhancing inclusion: A case study of AKHUWAT. ACRN Oxford Journal of Finance and Risk Perspectives, Special Issue, 4(4), 23-40.
• islamicfinancenews.com. (2014). Talking about a vibrant market of Shariah compliant technologies Retrieved Friday, 24th October, 2014, from http://islamicfinancenews.com/2014_supplement/serviceproviders/ServiceProviders2014.pdf
• Ismail, A. G. (2010). Money, Islamic banks and the real economy. Malaysia: Cengage Learning Asia Pte Ltd.Kamarulzaman, Y., & Madun, A. (2013). Marketing Islamic banking products: Malaysian perspective. Business Strategy Series, 14(2/3), 60-66.
• KC, M. (2012). The challenge of financial inclusion: The Nigerian perspective. Paper presented at the Being text of remarks at the 2011 global policy forum of the Alliance for Financial Inclusion (AFI) at Riviera Maya, Mexico on September.
• Khan, M. S. N., Hassan, M. K., & Shahid, A. I. (2007). Banking behavior of Islamic bank customers in Bangladesh. Journal of Islamic Economics, Banking and Finance, 3(2), 159-194.
• Krejcie, R. V., & Morgan, D. W. (1970). Determining sample size for research activities. Educational and psychological measurement, 30(3), 607-610.
• Lada, S., Tanakinjal, G. H., & Amin, H. (2009). Predicting intention to choose Halal products using theory of reasoned action. International Journal of Islamic and Middle Eastern Finance and Management, 2(1), 66-76.
• Madden, T. J., Ellen, P. S., & Ajzen, I. (1992). A comparison of the theory of planned behavior and the theory of reasoned action. Personality and Social Psychology Bulletin, 18(1), 3-9.
• Markus, H. R., & Kitayama, S. (1991). Culture and the self: Implications for cognition, emotion, and motivation. Psychological review, 98(2), 224.
• Metawa, S. A., & Almossawi, M. (1998). Banking behavior of Islamic bank customers: perspectives and implications. International Journal of Bank Marketing, 16(7), 299-313.
• Midgley, D. F., & Dowling, G. R. (1978). Innovativeness: The concept and its measurement. Journal of Consumer Research, 229-242.
• Mohseni-Cheraghlou, A. (2013). Islamic finance and financial inclusion: A case for poverty reduction in the Middle East and North Africa? Retrieved
• Monday, 12th December, 2016, from http://blogs.worldbank.org/allaboutfinance/islamic-finance-and-financial-inclusion-case-poverty-reduction-middle-east-and-north-africa
• Moshrefjavadi, M. H., Dolatabadi, H. R., Nourbakhsh, M., Poursaeedi, A., & Asadollahi, A. (2012). An analysis of factors affecting on online shopping behavior of consumers. International Journal of Marketing Studies, 4(5), p81.
• Munyanyi, W. (2014). Women financial inclusion in Zimbabwe: A descriptive comparison of rural and urban populaces. International Journal of Education and Research, 2(6), 255-266.
• Muslehuddin. (1993). Encyclopedia of Banking and Finance. Boston.
• new24nigeria. (2013). Jaiz bank records operating loss of N1.07 billion Retrieved 20th March, 2014, from http://m.news24.com/nigeria/Business/News/Jaiz-Bank-records-operating-loss-of-N107-billion-20131220
• Nirmala, R. P., & Dewi, I. J. (2012). The effects of shopping orientations, consumer innovativeness, purchase experience, and gender on intention to shop for fashion products online. [Article]. Gadjah Mada International Journal of Business, 14(1), 65-83.
• NPC. (2016). Nigeria’s population now 182 million —NPC Retrieved Monday, 20th December, 2016, from http://www.population.gov.ng/index.php/80-publications/216-nigeria-s-population-now-182-million-dg-npopc
• Okeke, C. C. (2015). Houdegbe North American varsity tackles NUC over legitimacy Retrieved Friday, 14th October, 2016
• Okoli, E. (2016). February 2016 fixed deposit rate comparison (6 banks) Retrieved Sunday, 6th November, 2016, from http://www.mrpepe.com/banking/february-2016-fixed-deposit-interest-rate-comparison-6-banks/
• Park, H. S., & Levine, T. R. (1999). The theory of reasoned action and self-construal: Evidence from three cultures. Communications Monographs, 66(3), 199-218.
• Parveen, F., & Sulaiman, A. (2008). Technology complexity, personal innovativeness and intention to use wireless internet using mobile devices in Malaysia. International Review of Business Research Papers, 4(5), 1-10.
• Pearce, D. (2011). Financial inclusion in the Middle East and North Africa: Analysis and roadmap recommendations. World Bank Policy Research Working Paper Series 5610.
• Perry, F. V., & Rehman, S. (2011). Globalization of Islamic finance: Myth or reality? International Journal of Humanities and Social Science, 1(19), 107-119.
• Podsakoff, P. M., MacKenzie, S. B., Lee, J.-Y., & Podsakoff, N. P. (2003). Common method biases in behavioral research: A critical review of the literature and recommended remedies. Journal of applied psychology, 88(5), 879.
• Podsakoff, P. M., MacKenzie, S. B., & Podsakoff, N. P. (2012). Sources of method bias in social science research and recommendations on how to control it. Annual review of psychology, 63, 539-569.
• Podsakoff, P. M., & Organ, D. W. (1986). Self-reports in organizational research: Problems and prospects. Journal of management, 12(4), 531-544. relbanks.com. (2015). Top Banks in the world 2015 Retrieved Thursday 24th December, 2015, from http://www.relbanks.com/worlds-top-banks/assets
• Rexrode, C., & Squire, S. (2014). The 100 biggest banks in the world Retrieved Thursday, 24th December, 2015, from http://blogs.marketwatch.com/thetell/2014/01/31/the-100-biggest-banks-in-the-world/
• Rogers, E. M. (2003). Diffusion of Innovations (5 ed.). New York: Free Press.
• Salamah Wahyuni, S., & Arifin, T. (2013). Knowledge as an antecedent variable of intention to use Islamic banking product Retrieved Tuesday, 10th June, 2014, from http://aasic2013.permitha.net/Proceedings/ICBESS_Proceeding/Volume/icbess-p028.pdf
• Salisu, I. (2014). Nigerians have embraced Islamic banking Retrieved Monday, 31st March, 2014, from http://jaizbankplc.com/index.php/media-centre/press-releases/24-press-releases/104-nigerians-have-embraced-isla-mic-banking
• Sheeran, P. (2002). Intention—behavior relations: A conceptual and empirical review. European review of social psychology, 12(1), 1-36.
• Sheppard, B. H., Hartwick, J., & Warshaw, P. R. (1988). The theory of reasoned action: A meta-analysis of past research with recommendations for modifications and future research. Journal of Consumer Research, 325-343.
• Siddiqi, M. N. (2006). Islamic banking and finance in theory and practice: A survey of the state of the art. Islamic Economic Studies, 13(2), 1-48.
• Singelis, T. M. (1994). The measurement of independent and interdependent self-construals. Personality and Social Psychology Bulletin, 20(5), 580-591.
• Sparks, P., Shepherd, R., Wieringa, N., & Zimmermanns, N. (1995). Perceived behavioural control, unrealistic optimism and dietary change: An exploratory study. Appetite, 24(3), 243-255.
• Suka, M. A. (2015). JAIZ Bank not troubled, wants more players in Islamic banking Retrieved Saturday, 19th December, 2015, from http://www.dailytrust.com.ng/news/business/-jaiz-bank-not-troubled-wants-more-players-in-islamic-banking/123899.html#d21qTHSFrFslyAPm.99
• Taib, F. M., Ramayah, T., & Razak, D. A. (2008). Factors influencing intention to use diminishing partnership home financing. International Journal of Islamic and Middle Eastern Finance and Management, 1(3), 235-248.
• Taylor, S., & Todd, P. (1995). Decomposition and crossover effects in the theory of planned behavior: A study of consumer adoption intentions. International journal of research in marketing, 12(2), 137-155.
• Teo, T. S., & Pok, S. H. (2003). Adoption of WAP-enabled mobile phones among Internet users. Omega, 31(6), 483-498.
• Terry, D. J., Hogg, M. A., & White, K. M. (1999). The theory of planned behaviour: Self-identity, social identity and group norms. The British Journal of Social Psychology, 38, 225.
• Thakur, R., & Srivastava, M. (2014). Adoption readiness, personal innovativeness, perceived risk and usage intention across customer groups for mobile payment services in India. Internet Research, 24(3), 369-392.
• Towler, G., & Shepherd, R. (1992). Modification of Fishbein and Ajzen's theory of reasoned action to predict chip consumption. Food Quality and Preference, 3(1), 37-45.
• Van Rijnsoever, F. J., & Castaldi, C. (2011). Extending consumer categorization based on innovativeness: Intentions and technology clusters in consumer electronics. Journal of the American Society for Information Science and Technology, 62(8), 1604-1613.
• Webb, T. L., & Sheeran, P. (2005). Integrating concepts from goal theories to understand the achievement of personal goals. [Article]. European Journal of Social Psychology, 35(1), 69-96. doi: 10.1002/ejsp.233
• White, K. M., Smith, J. R., Terry, D. J., Greenslade, J. H., & McKimmie, B. M. (2009). Social influence in the theory of planned behaviour: The role of descriptive, injunctive, and in-group norms. [Article]. British journal of social psychology, 48(1), 135-158. doi: 10.1348/014466608x295207
• Wicker, A. W. (1969). Attitudes versus actions: The relationship of verbal and overt behavioral responses to attitude objects. Journal of Social issues, 25(4), 41-78.
• Yang, K. (2010). The effects of technology self-efficacy and innovativeness on consumer mobile data service adoption between American and Korean consumers. Journal of International Consumer Marketing, 22(2), 117-127.
• Yi, M. Y., Fiedler, K. D., & Park, J. S. (2006). Understanding the role of individual innovativeness in the acceptance of IT-based innovations: Comparative analyses of models and Measures. Decision Sciences, 37(3), 393-426.
• Yiu, C. S., Grant, K., & Edgar, D. (2007). Factors affecting the adoption of internet banking in Hong Kong—Implications for the banking sector. International Journal of Information Management, 27(5), 336-351.
• Yun, W., & Hira, C. (2012). The effect of fashion innovativeness on consumer's online apparel customization. [Article]. International Journal of Organizational Innovation, 5(2), 263-283.