Purpose - The main aim of this paper is to identify whether certain consumers behave irrationally when it comes to select banking products. This paper builds on one of the most significant banking products that is the credit card. Design/methodology/approach - This is an exploratory research paper. Therefore, only descriptive analysis on the differences between three credit card user groupssuch as the Islamic credit card users, conventional card users and users who decide to use both credit cards, conventional and Islamic, were presented. Findings - The demographic and psychographic factors for the three different groups differ. In addition, there are four factors that influence the credit card selection. The factors are insurance/takaful provided by the credit issuers, cost associated with the credit card, the reward points programme offered and the convenience factors. Furthermore, the study found that three of the factors except insurance/takaful are significantly different between three credit card groups. Research limitations/implications - This paper is limited to the context of Malaysia and the respondents are mostly from the same ethnic. Therefore, it could not be generalised in the context of other countries and further studies comparing different culture or ethnic could benefit and enrich the topic of study. Practical implications - The Islamic and conventional banks could focus on several factors influencing customers' selection and could focus to improve certain lacking areas as perceived by the consumers. The ability to increase the perceptions of the consumers regarding their credit cards will enable their products to be chosen in the market. Originality/value - There was a significant amount of literature discussed in the Islamic banking selection factors. However, little attention being paid to the selection of a specific bank's product. This study offers a study that looks into the selection of the credit card offered by the banks in respect to the irrational behaviours of the religious consumers in economic activities as compared to the conventional economists. This paper will contribute to the body of existing literature of banking selection.

Purpose The purpose of this paper is to develop an Islamic religiosity measurement which can be applied in many various sectors and fields. Design/methodology/approach The religiosity measurement developed by the authors had undergone systematic qualitative and quantitative approaches taking into consideration the expert opinion survey in ensuring the measurement content validity and reliability. Findings The study found that Islamic religiosity measurement is multi-dimensional. The dimensions found were beliefs and commitment or practice. Research limitations/implications -The research limitation of the study is that the research is in its exploratory stages and needs to be replicated and to be tested in different contextual settings. Originality/value -The instrument was developed through a rigorous systematic database search, qualitative and quantitative scale development stages which can be used as the basis in measuring Islamic religiosity.