Bank Patronage Factors in Dual Banking System: An Empirical Analysis in Pakistan

  • Muneer Ahmed Chief Editor


This paper aims to find the factors customers use to patronage Islamic and
conventional banks in Pakistan. We statistical analysis on the primary data
collected from bank customers in different cities of the country. The analysis of
variables constitutes different aspects of customer selection criteria showing
that there are five over riding dimensions for Islamic and five for conventional
bank customers. Customers in Islamic banks consider security of money as an
important factor in selecting an Islamic bank while customers of conventional
banks regards convenience more important in selection of bank. In the same
manner other four factors are derived which are discussed before in this study.
These two factors are highly regarded by the both Islamic and conventional
bank customers. Second important factor by Islamic bank customers was
human resource while conventional bank customers are considered about
reliability of bank and its services.