Banking selection criteria : a study among muslims in Kelantan

The main purpose of this study is to examine the differences of selection criteria that are considered

by Muslims in Kelantan in selecting their preferred bank. Based on the past literatures, seven main

criteria of banking selection have been studied to determine the significant difference of the criteria

by focusing on the level of education of the respondent as research subject. Findings suggest that

electronic service is the most important criteria influences customer’s selection and there is no

significant difference between the groups in the selection criteria except on the bank reputation and

image. In addition, qualitative method reveals that the religious factor is not primary criteria in

selecting a bank among Muslims in Kelantan. This study suggests that the Islamic bank should

analyze customer segment in any possible way to attract bank consumers especially Muslims to opt

for Islamic bank.