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Paper short abstract:

Most common practices of bank and credit services are operated today by non conventional financial institutions - Islamic banks. This recently described financial banking model empowers populations of confessional customers, particularly attached to the moral and ethic side of the service delivery.

Paper long abstract:

In a global consumption world, confessional individuals hardly can stay a part. Consuming power more often supposes to hold at least one bank account that will drive different financial products for individual use - credit and debit cards, insurances, etc. The Muslim customers all around the world stand no longer excluded from the global exchange system, they buy halal food online, subscribe for Muslim TV channels, order the Holy Sacrifice meat online for the Ramadan festivities; but also provide themselves some Occidental goods - from the latest Adidas sneakers, Chief's Pressure cookers, original Louis Vuitton hand bag... Payment operations are possible because financial institutions and banks spread the culture of the shopping with your credit card 24/7 accessible among this type of religious customers too.

And yet, one should ask if Islamic religious principles related to the ethics in the ordinary monetary transactions, influence the way the capital and funds are transformed. When comparing the services and the products of each one of the type of bank services, conventional and Islamic ones, both seem to raise identical products, shaped with a kind of certain type of neutral visual approach and category offers - individuals, private, and corporate customers, consumer loans, deposits, investments, insurances and pension plans. So why chose to hold an Islamic bank account or not?

Religious beliefs and discourse of promise of moral integrity beyond the marketing window seem to be one of the aspects for understanding such a trend.