Factors affecting adoption of mobile banking in Pakistan

Abdul Kabeer Kazi · Mohammad Adeel Mannan

64 citations0/0 files storedInternational Journal of Research in Business and Social Science (2147-4478)

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Technology Adoption and User Behaviour User Authentication and Security Systems Health, Technology, Consumer Behavior

Abstract

In this research paper we investigated the determinants likely to influence the adoption of mobile banking services, with a special focus on under banked/unbanked low-income population of Pakistan. The adoption of mobile banking services has been a strategic goal, both for banks and telcos. For this purpose, Technology Acceptance Model (TAM) was used, with additional determinants of perceived risk and social influence. Data was collected by surveying 372 respondents from the two largest cities (Karachi and Hyderabad) of the province Sindh, in Pakistan using judgement sampling method. This study empirically concluded that consumers’ intention to adopt mobile banking services was significantly influenced by social influence, perceived risk, perceived usefulness, and perceived ease of use. The most significant positive impact was of social influence on consumers’ intention to adopt mobile banking services. The paper concluded with discussion on results, and several business implications for the banking industry of Pakistan.

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References

1989Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology 2003User Acceptance of Information Technology: Toward A Unified View1 2000A Theoretical Extension of the Technology Acceptance Model: Four Longitudinal Field Studies 1976Business research methods 2002Evidence of the effect of trust building technology in electronic markets: Price premiums and buyer behavior 2004Toward an understanding of the behavioral intention to use mobile banking 2000Factors Influencing the Adoption of Internet Banking 2006A meta-analysis of the technology acceptance model: Investigating subjective norm and moderation effects

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