Religiosity’s role in Islamic bank consumers’ ethics, materialism and social responsibility (CnSR): a divine command theory (DCT) perspective

Purpose This study aims to investigate how religiosity influences Islamic bank customers on customers’ social responsibility (CnSR) directly and indirectly toward customers’ materialism and ethics. Design/methodology/approach In total, 653 participants were recruited, and structural equation modelling was used to examine research frameworks. Findings Religiosity has a positive and significant effect on Islamic bank consumers’ materialism, ethics and CnSR. Furthermore, materialism has a positive and significant role in Islamic bank consumers’ ethics and does not have a positive and significant role in CnSR. Furthermore, Islamic bank consumers’ ethics has a positive and significant effect on CnSR. This study also demonstrates that religiosity has a positive and significant effect on CnSR directly and indirectly toward Islamic bank consumer materialism and ethics. Research limitations/implications This study investigates Indonesian Islamic bank consumers. Therefore, future studies must analyze various approaches across different regions to obtain comprehensive information about the social responsibility of Islamic bank consumers. Practical implications The regulators and shariah supervision board need to develop regulations on the Islamic banking system, including corporate and consumer social responsibility. Originality/value This study contributes to extending knowledge of the divine command theory towards developing a new view of Islamic bank consumer religiosity and social responsibility.