Empirical Study and Analyze of Internet Banking in Pakistan

Abstract

Purpose: To reflect research within area of online banking and its acceptance in Pakistan.
Methodology& Design: In order to conduct this study both primary and secondary research methods are used.
Primary method includes survey analysis and a secondary research method is conducted through secondary data through various scholars and authors literature.
Findings: It reflects that all technological acceptance factors including attitude towards using, perceived usefulness, perceived trust, behavioral intention and perceived ease for use are crucial role players into acceptance of on line banking. Further every one of the aforesaid factors plays a crucial role in building long term trust as well over internet banking.
Limitations: Some of the limitations for conducting this study include; different branches / banks varying level of services, illiteracy of consumer regarding internet banking and personal assumptions over analysis of results.
Recommendations: In order to make internet banking more acceptable to consumers it requires banks to educate and train their employees so as they deliver to consumers, build strong technological infrastructure, protect security and privacy issues of consumers and conduct consumer awareness programs to make them literate over internet banking services.