Exploration of Service System and Value Co-creation Mechanism in Islamic Banking in Pakistan

  • Amna JavedEmail author
  • Youji Kohda
  • Hisashi Masuda


This study examines service system and value co-creation mechanism in Islamic banking. This paper combines the results from literature review, press release data, interviews and questionnaire analysis conducted in Pakistan. The results revealed that in Islamic banking the backbone of the mechanism of value co-creation is contract-based projects that are regulated by sharia board, to enforce profit and loss sharing that refers to a partnership approach. Islamic banks do not have independence to perform transactions without the supervision of sharia board that ensures the secure investment. These research findings show better understanding of value co-creation in the modern services.


Islamic banking Service system Value co-creation 



This work was supported by JSPS KAKENHI Grant Number 25240050.


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Copyright information

© Springer Japan 2016

Authors and Affiliations

  1. 1.Japan Advanced Institute of Science and TechnologyNomiJapan

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