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The Editor,

Thanks for this interesting and unique findings about Islamic banking awareness level which impact the potential penetration of Islamic banking in those countries.

I would suggest some more research to compare the Islamic banking inclusion to the conventional one and test whether there is a significant difference among both of them.

Another hypotheses I would also test is whether Islamic banking is perceived as a costly alternative to informal banking (co-op financing groups among locals). The latter is interest free as well.

Bassel Nadim