Research in social psychology has been valuable in providing key frameworks for

understanding the complex relationship between culture and human behavior. One of
the lessons learned from the field is that cultural variations have a significant impact on
the way individuals view the world, which ultimately affects their behavior (Shweder,
1991; Manstead, 1997).
Without
any significant differences, researches by Bristow and Asquith (1999), Gurhan-Canli and
Maheswaran (2000), Chudry and Pallister (2002) and de Mooji and Hofstede (2002)
suggest that consumers from different cultural background express some significant
differences, which may warrant differentiated marketing efforts.
Determinant factors of customers bank selection
Kaufman (1967)
found that the most influential factors in customers selection of a bank were convenient location to
home or place of business, length of bank-customers relationships and quality of services offered by the bank.

Mason and Mayer (1974)
suggested that among otherimportant selection criterions used by the customer, convenient location came on the top
the priority, followed by other important factors like friendly personnel, favorable loan
experience, advice of friends and influence of relatives opinion.
(Martenson, 1985)
Findings of various studies reveal that consumer choice of bank depends on a multiple set of criterions
including bank location, availability of loans and the default salary account of a particular bank.

Arora et al. (1985)
found that customer selection of banking services is mainly determined by dependability of
institutions, accessibility, easiness of processes for transactions, variety of services offered and availability of
loans at competitive interest rates.

Laroche et al. (1986)
Found that friendliness of staff plays the major role in the bank decision process, followed by hours of operations,
size of waiting lines, convenience of location and efficiency of personnel.


Determinant factors of a customers selection of an Islamic Bank
Halim and Nordin (2001), Ahmad and Haron (2002), Bley and Kuehn (2004), Zainuddin et al. (2004),
Worthington (2005), Okumu (2005), Dusuki and Abdullah (2007), Rashid and Hassan
(2009), Khan and Khanna (2010) also
support the argument that religious believes serveas main motivation to select an Islamic Bank for Muslim
customers

Contradictory, there is a point of view that religious beliefs are not the sole reason to
Islamic bank (Erol and El-Bdour, 1989; Gerrard and Cunningham, 1997; Zaher and Hassan, 2001). Dusuki and
Abdullah (2007) argued that: