Antecedents of Switching Intention from Conventional Bank Customers to Bank Jago Syariah

Authors

  • Ahmad Ikhsan Al Hakim Department of Islamic Banking, Sunan Kalijaga State Islamic University, Yogyakarta, Indonesia.
  • Alex Fahrur Riza Department of Islamic Banking, Sunan Kalijaga State Islamic University, Yogyakarta, Indonesia.

Keywords:

Switching Intention, Alternative Attractiveness, Subjective Norms, Islamic Digital Banking, bank, Antecedents of Switching Intention from Conventional Bank Customers to Bank Jago Syariah, bank jago, Antecedents of Switching

Abstract

Purpose: This study aims to analyze the antecedents that influence the switching intention of conventional bank customers to Bank Jago Syariah by applying the Push-Pull-Mooring (PPM) framework.

Design/methodology/approach: This study applies a quantitative causal approach using the PPM framework. Data from 111 respondents were collected via questionnaire and analyzed with SEM-PLS.

Findings: The study reveals that push factors (customer satisfaction and religiosity) are insignificant, while pull factors (alternative attractiveness and subjective norms) significantly enhance switching intention. Inertia as a mooring factor shows a significant negative effect.

Theoretical Contribution/Originality: This study extends the PPM framework to digital Islamic banking and shows the significant role of inertia as a barrier, while confirming the stronger influence of pull factors compared to push factors.

Research limitation and implication: The study is limited to 111 respondents from Java, so broader samples are suggested. Practically, Islamic digital banks should strengthen pull factors and reduce inertia to encourage switching.

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Published

2025-12-18

How to Cite

Al Hakim, A. I., & Riza, A. F. (2025). Antecedents of Switching Intention from Conventional Bank Customers to Bank Jago Syariah. Journal of Islamic Banking: Student Insight, 1(1), 1–12. Retrieved from https://ejournal.uin-suka.ac.id/febi/jibsi/article/view/2815

Issue

Vol. 1 No. 1 (2025)

Section

Article

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