Adya Hermawati, Shujahat Ali, Sylvia Fettry, Totok Hendarto, Husin Husin
The purpose of this research is to measure the impact of consumer attitude, social norms and perceived behavior on the intention to adopt Islamic banking by freelancers in Pakistan. The sample of the study is taken from the young freelance professionals that are currently working it the city of Mirpur Azad Kashmir. The number of respondents is limited to 150. Correlation, reliability, regression and ANOVA tests are performed to check the accuracy and association of the data variables. The results showed that the variables of religiosity and subjective norms has a positive impact on the behavioral intention to adopt Islamic banking. There for the research team can conclude that religiosity has an impact on the intention of the free lancers of the city of Mirpur to adopt to Islamic banking and subjective norms also has an impact on the intention of the free lancers of the city of Mirpur to adopt to Islamic banking. The study also notes that subjective norms also have an effect the intention to adopt there for allowing customers to know of the ethical and socially responsible practices can also help them to adopt. For any future researchers the study recommends that they can apply the same model in another area to see the results of add or remove variables to see the difference it can make.