The Factors Effecting E-banking Usage in Pakistan

Abstract

Banking sector is the lubricating wheel of modern economy and E-banking is one of the emerging trends of the banking industry which is not quite common yet in a developing country like Pakistan so it provides a lot of scope for research. This research report tries to provide a better understanding of the usage of E-banking in Pakistan. This field of study analyzed with the help of five variables Perceived Usefulness, Privacy and Security, Web Design, Trust and Self-efficacy. Causal study was undertaken for investigation through primary data collected from verified questionnaire developed and modified according to the extensive literature review. Statistical techniques of correlation and regression were used for empirical testing. The findings of this research shows that if customers perceive E-banking as useful, transactions are conducted on an a user-friendly website, information of the customers is secure and there is a bond of trust between the E-banking service provider and customer then there will be an impact of these factors on the Ebanking usage. The implications of this study are that bankers can design the policy regarding E-banking keeping the four factors of Perceived Usefulness, Privacy and Security, Web Design and Trust in account. This research contributes by providing a combined impact of these five variables on E-banking usage which has not been studied until now and the fact that in Pakistani context, Self-Efficacy does not play an important role.

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