Antecedents of Online Banking Adoption in Pakistan: an Empirical Study

  • Zulfiqar Haider
  • Abdul Rahim
  • Fahmida Aslam
Keywords: Online banking, customer acceptance, Perceived ease of use, Perceived usefulness and Trust in technology


This study investigates the intention of e-Banking users to use online services in Pakistan. In this for the data collection, 360survey questionnaires were distributed randomly among the employees and customers of the e-bank users at Hyderabad, Larkana, and Karachi and feedback rate remained 233 samples for final usage that sustained 61.5% returning response rate. In this way, in one hand, 170sampling for the data collection was carried out from the respondents among the lower and middle-level employees whereas 163sampling for data collected from the customers of the online banking users. For the data collection, the majority of respondents were preferred to educated class of society. In the existing empirical study technological determinants like perceived ease of use (PEOU), perceived usefulness (PU), trust in technology (TIT), information quality (IQ) and intention to use (ITU) were proposed to investigate the intention of online banking users in Pakistan. Results and data analysis has been carried out through SPSS version 24 in which multiple regressions and Pearson‘s correlation was used to test the hypothesis. This study is important due to an emerging trend in online banking practices in Pakistan. It is found that the perception of online banking is higher in the country except for any gender discrimination in which a majority of respondents support their intention to use the internet-based banking system. The result of regression analysis shows that all independent factors show a positive relationship with the dependent variable. In this way, PU, PEOU, TIT, and IQ, shows more influence to increase the intention of employees to use e-Banking services. The prevailing study pursues the theoretical approach that encompasses an extended technology acceptance model (TAM) to investigate the intention of the users of e-banking. The study possesses the numerous implications concerning bankers, policymakers and academicians. The use of internet banking assures an easy delivery of information, minimize the frauds, provision of marketable products and interconnect the branches with the main server.