Innovation resistance and Islamic banking adoption towards the TRIBA behavioural framework

Authors

Auwalu Shuaibu Muhammad, Ph.D
Universitas Islam Negeri Sunan Ampel Surabaya image/svg+xml , Bayero University Kano image/svg+xml , Sultan Zainal Abidin University image/svg+xml
Prof. Drs. Nur Kholis, M.Ed.Admin., Ph.D
Universitas Islam Negeri Sunan Ampel Surabaya image/svg+xml , UNSW Sydney image/svg+xml , Vrije Universiteit Amsterdam image/svg+xml , St. Francis Xavier University image/svg+xml
Dr. Ir. Muhamad Ahsan, M.M., CHRMP
Universitas Islam Negeri Sunan Ampel Surabaya image/svg+xml , Universitas Islam Malang image/svg+xml , University of Brawijaya image/svg+xml
Dr. Nurhayati, M.Ag
Universitas Islam Negeri Sunan Ampel Surabaya image/svg+xml

Keywords:

Innovation Resistance, TRIBA, Islamic Banking

Synopsis

Innovation Resistance and Islamic Banking Adoption: Towards the TRIBA Behavioural Framework offers a fresh perspective on one of the most persistent challenges in the development of Islamic finance: why many consumers remain reluctant to adopt Islamic banking despite its rapid global expansion and strong religious, ethical, and economic foundations. Using Nigeria as an empirical setting, the book argues that understanding Islamic banking adoption requires moving beyond traditional adoption theories to examine the behavioural mechanisms that underlie consumer resistance. Rather than asking only why people adopt Islamic banking, this book investigates why they resist it in the first place and how that resistance can be transformed into acceptance. Drawing upon Innovation Resistance Theory (IRT) and integrating insights from behavioural science, Islamic financial literacy, institutional trust, and religiosity, the book develops the TRIBA Behavioural Framework—a novel theoretical model that explains the complex pathways through which consumers evaluate, resist, and ultimately adopt Islamic banking. The framework distinguishes between passive and active forms of innovation resistance while demonstrating how knowledge, trust, and religious commitment function as key behavioural mechanisms that reduce uncertainty and encourage adoption. Through rigorous quantitative modelling and comprehensive empirical analysis, the book validates the TRIBA Framework and demonstrates its explanatory and predictive power in understanding consumer decision-making. Beyond its theoretical contribution, this book provides practical guidance for Islamic financial institutions, policymakers, educators, and researchers seeking to expand financial inclusion and strengthen the Islamic banking ecosystem. By reframing consumer resistance as a dynamic behavioural process rather than a simple obstacle, the TRIBA Behavioural Framework introduces a new paradigm for analysing Islamic banking adoption and offers evidence-based strategies for transforming resistance into sustainable acceptance. This work is an important resource for scholars of Islamic economics, behavioural finance, consumer behaviour, and financial innovation, while also serving as a valuable reference for practitioners committed to advancing the future of Islamic banking worldwide.

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Author Biographies

Auwalu Shuaibu Muhammad, Ph.D, Universitas Islam Negeri Sunan Ampel Surabaya, Bayero University Kano, Sultan Zainal Abidin University

Dr. Auwalu Shuaibu Muhammad was born on 18 November 1985 in Gama B, Kano State, Nigeria. He is a Nigerian scholar, researcher, and academic administrator whose work spans Islamic economics and Education. He has devoted his academic and professional career to advancing knowledge through research, teaching, and public service. He started his educational journey at Gama Tudu Special Primary School, Kano, where he obtained his primary school certificate in 1997, before proceeding to Government Secondary Commercial School, Airport Road, Kano, where he earned his Senior Secondary School Certificate in 2003. He later joined Kano State College of Arts, Science and Remedial Studies (CAS), Kano, where he completed the Interim Joint Matriculation Board (IJMB) programme in Economics, Accounting, and Business Management in 2005. Dr. Muhammad proceeded to Bayero University, Kano, Nigeria, where he obtained a Bachelor of Education (B.Ed.) in Economics with Second Class Honours (Upper Division) in 2010. He later earned a Master of Education (M.Ed.) in 2015 from Universiti Sultan Zainal Abidin (UniSZA), Malaysia under the Kano State Government Foreign Scholarship initiative. In 2023, he obtained another scholarship to pursue a Ph.D. at UIN Sunan Ampel Surabaya, Indonesia, where he completed his Doctor of Philosophy (Ph.D.) in Sharia Economics in 2026. His doctoral research culminated in the development of the TRIBA (Typology of Resistance toward Islamic Banking Adoption) Behavioural Framework, an original behavioural model explaining how innovation resistance influences Islamic banking adoption through the moderating roles of Islamic financial literacy, institutional trust, and religiosity. Dr. Muhammad currently serves as a Principal Planning Officer at Federal University Gusau, Zamfara State, Nigeria. As an active researcher, he has authored and co-authored numerous scholarly publications in reputable national and international journals. His research covers diverse areas in Islamic Economics and Education. He has also presented papers at several international conferences in Indonesia, Malaysia, Thailand, and Nigeria, contributing to scholarly discussions on Islamic finance and Education. Beyond research and publication, Dr. Muhammad has participated in numerous professional workshops and capacity-building programmes focusing on research methodology, statistical analysis, administrative management, digital technologies, and institutional development. He has equally served on several university committees reflecting his commitment to strengthening higher education governance and institutional effectiveness.

Prof. Drs. Nur Kholis, M.Ed.Admin., Ph.D, Universitas Islam Negeri Sunan Ampel Surabaya, UNSW Sydney, Vrije Universiteit Amsterdam, St. Francis Xavier University

Prof. Drs. Nur Kholis, M.Ed.Admin., Ph.D. is a distinguished academic, researcher, and educator whose career has been devoted to advancing management education, leadership development, and institutional excellence in higher education. As a Professor at the Faculty of Islamic Economics and Business, UIN Sunan Ampel Surabaya, he has played an important role in shaping teaching, research, and academic leadership while mentoring generations of undergraduate and postgraduate students. His scholarly interests span management, organisational behaviour, leadership, higher education management, and Islamic economics, fields in which he has made significant academic and professional contributions. He earned his bachelor's degree from IAIN Sunan Ampel Surabaya (now UIN Sunan Ampel Surabaya), before pursuing a Master of Educational Administration at the University of New South Wales (UNSW), Australia. He later obtained his Doctor of Philosophy (Ph.D.) in Economics and Business Administration from Vrije Universiteit Amsterdam, the Netherlands, further broadening his expertise through a Diploma in Development Leadership at St. Francis Xavier University, Canada. These academic experiences provided him with a strong interdisciplinary foundation that combines educational leadership, management, and organisational development. Throughout his professional career, Prof. Nur Kholis has held numerous leadership positions within UIN Sunan Ampel Surabaya, contributing to the university's academic development and institutional transformation. Beyond the university, he has also worked with several national and international organisations as a consultant and facilitator on higher education reform, institutional governance, leadership development, and capacity building, collaborating on programmes supported by organisations such as USAID, AusAID, and Indonesia's Ministry of Religious Affairs. As a scholar, Prof. Nur Kholis has established an impressive record of research and publication. His work has appeared in reputable national and international journals, addressing issues related to management, organisational behaviour, leadership, Islamic economics, higher education, and institutional development. In addition to publishing extensively, he remains actively engaged in supervising postgraduate research, mentoring young academics, and promoting collaborative scholarship across disciplines. Through decades of service as an educator, researcher, administrator, and mentor, he has made enduring contributions to the advancement of higher education in Indonesia and to the broader development of management and Islamic economics scholarship.

Dr. Ir. Muhamad Ahsan, M.M., CHRMP, Universitas Islam Negeri Sunan Ampel Surabaya, Universitas Islam Malang, University of Brawijaya

Dr. Ir. Muhamad Ahsan, M.M., CHRMP. is an Associate Professor, in the Department of Management, Faculty of Islamic Economics and Business, UIN Sunan Ampel Surabaya, Indonesia. Born and raised in Palembang, Indonesia, Dr. Ahsan completed his primary and secondary education in his hometown before pursuing higher education in Malang. He earned his bachelor's degree in Agribusiness from Universitas Islam Malang (UNISMA), where his academic interest centred on agribusiness marketing. He later obtained a Master of Management (M.M.) from Universitas Merdeka Malang (UNMER), focusing his research on job satisfaction, before completing his Doctor of Philosophy (Ph.D.) in Management Science at Universitas Brawijaya (UB), specialising in entrepreneurial leadership. To broaden his international perspective, he also participated in academic and professional programmes at The University of Sydney, Australia, and St. Francis Xavier University, Canada. Throughout his career, Dr. Ahsan has remained committed to advancing knowledge through teaching, research, and community engagement. His research interests include entrepreneurship, leadership, strategic management, human resource management, Islamic finance, and organisational behaviour. He has published extensively in national and international scholarly journals, supervised student research, and actively contributed to academic and professional development through research projects, community service, and management training.

Dr. Nurhayati, M.Ag, Universitas Islam Negeri Sunan Ampel Surabaya

Dr. Nurhayati, M.Ag. is an Associate Professor at UIN Sunan Ampel Surabaya, Indonesia, whose work has made significant contributions to the advancement of Islamic economics through teaching, scholarship, and public engagement. Her interests centre on Islamic philanthropy, social entrepreneurship, and ethical economic development, with a strong commitment to addressing contemporary social and economic challenges through Islamic principles. She completed her bachelor's, master's, and doctoral degrees at IAIN Sunan Ampel Surabaya (now UIN Sunan Ampel Surabaya), where she developed a solid foundation in Islamic law, economics, and socio-economic studies. This academic background has shaped her interdisciplinary approach to understanding the relationship between Islamic values and sustainable development. Her areas of research interest include Islamic economics, Sharia, Islamic philanthropy, Islamic entrepreneurship, social enterprise, poverty alleviation, and gender-related economic issues. She is particularly recognised for her work on the strategic utilisation of zakat, infaq, and sadaqah (ZIS) as instruments to empower vulnerable communities and foster inclusive economic growth. In addition to publishing extensively in Islamic economics and social development, Dr. Nurhayati is actively involved in postgraduate supervision and community service. She is passionate about nurturing future scholars and promoting an understanding of Islamic economics that combines academic excellence with ethical responsibility and practical solutions for sustainable societal development.

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Muhammad, D. A. S. M., Kholis, N. K., Ahsan, M. A., & Nurhayati, N. (2026). Innovation resistance and Islamic banking adoption towards the TRIBA behavioural framework. Book Cita Cendekia. https://book.citacendekia.com/bcc/catalog/book/18