Trust formation process in Islamic banking in Malaysia

An increasing number of citizens are doing transaction with Islamic banks and the numbers are likely to increase rapidly in the future. Research shows that trust is the key factor before undertaking transaction. However, much of our understanding about the trust is still in the embryonic stage especially in the Islamic banking industry. Hence, this study focuses on trust in the context of engaging in Islamic banking transactions and to address its evolutionary nature and associated factors. This article explores the trust antecedent, trust behavior and trust consequence in selecting Islamic banking. The uniqueness of this paper is that it develops a model for trust process/construct in Islamic banking. This is deemed essential in order to market the Islamic banking products and services that can truly enable and support lasting relationships in commercial settings.