A comparative study on knowledge attitude and readiness to comply with shariah law towards Islamic banking product and services among students of different races in Universiti Malaysia Kelantan

The purpose of this study is to determine a comparative study on knowledge, attitude, and readiness to comply with Shariah law towards Islamic banking product and services among students of different races in Universiti Malaysia Kelantan (UMK). Moreover, this study examines the comparison between the null and alternative hypotheses pertaining towards Islamic banking product and services for the four races groups and their knowledge, attitude, and readiness to comply with Shariah law. In this study, the theory of Planned Behaviour (TPB) was used. This study employs a quantitative methodology by surveying 358 students of different races in UMK. The data was analysed using the Kruskal-Wallis test. The result shows that there was a significant difference between all variables and Islamic banking product and services for the four race groups.