Abstract
This study aims to investigate the effects of those factors which are responsible to determine the attitude of the customers towards Islamic banking. This study is based on self developed40 items  questionnaire grouped in 7 main variables. 300 Questionnaire were distributed through convenience sampling among the customers out of which 265 questionnaires a good response  rate of 88.33% was received. Correlation and regression test were applied to the collected data and research findings show that cost effectiveness, Service facilitation and intention to use has  more significant effect on the attitude of the customers than other factors like religious compliance and social influence.
Keywords: Islamic banking, interest, Islamic Sharia, religious compliance