- In “Customers’ Perceptions of FinTech Adaptability in the Islamic Banking Sector: Comparative study on Malaysia and Saudi Arabia” (Journal of Modeling in Management 17, no. 4 (2023)), Ibrahim Abiodun Oladapo (Imam Abdulrahman Bin Faisal University, Saudi Arabia) and others, using primary data “collected from May to September 2019 using a questionnaire to survey 102 Islamic bank customers in Malaysia, and 147 in Saudi Arabia,” show that “knowledge, attitude, and subjective norms are the highly significant determining factors that influence customers’ opinions on adapting to new technology, but awareness demonstrates only a moderately positive effect.”