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Internet banking in Pakistan: an extended technology acceptance perspective

Author

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  • Sahar Afshan
  • Arshian Sharif
  • Nazneen Waseem
  • Reema Frooghi

Abstract

The growing attractiveness of internet banking is contributing well in the success and growth process of banking sector around the world (Xu et al., 2009). This study examines the integrative framework of internet banking (IB) in Pakistan using technology acceptance model (TAM) with the integration of several risk dimensions and initial trust model. The techniques of both exploratory and confirmatory factor analyses are employed to assess the reliability and validity of the measurement model. The structural equation modelling method was also applied to investigate the hypothetical framework with the help of literature's recommended goodness-of-fit measurements. The findings of the study found significant contribution of personal propensity to trust, structural assurance, and familiarity with bank in influencing initial trust of people to accept IB. The findings are beneficial for banks that are pursuing IB in formulating strategies of enhancing user's acceptance of internet banking in Pakistan.

Suggested Citation

  • Sahar Afshan & Arshian Sharif & Nazneen Waseem & Reema Frooghi, 2018. "Internet banking in Pakistan: an extended technology acceptance perspective," International Journal of Business Information Systems, Inderscience Enterprises Ltd, vol. 27(3), pages 383-410.
    • Handle: RePEc:ids:ijbisy:v:27:y:2018:i:3:p:383-410
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    13. Alrawad, Mahmaod & Lutfi, Abdalwali & Alyatama, Sundus & Al Khattab, Adel & Alsoboa, Sliman S. & Almaiah, Mohammed Amin & Ramadan, Mujtaba Hashim & Arafa, Hussin Mostafa & Ahmed, Nazar Ali & Alsyouf, , 2023. "Assessing customers perception of online shopping risks: A structural equation modeling–based multigroup analysis," Journal of Retailing and Consumer Services, Elsevier, vol. 71(C).
    14. Nur Fitriyah, 2019. "Financial Development and Environmental Degradation in Indonesia: Evidence from Auto Regressive Distributed Lag Bound Testing Method," International Journal of Energy Economics and Policy, Econjournals, vol. 9(5), pages 394-400.
    15. Ekwunife Gabriel Okafor & Njelita, Chukwudi I., 2024. "The Bridge To Acceptance: Investigating Consumer Perceptions of Virtual Bankers," International Journal of Research and Scientific Innovation, International Journal of Research and Scientific Innovation (IJRSI), vol. 11(5), pages 982-995, May.
    16. Asif Mahmood & Muhammad Imran & Kamran Adil, 2023. "Modeling Individual Beliefs to Transfigure Technology Readiness into Technology Acceptance in Financial Institutions," SAGE Open, , vol. 13(1), pages 21582440221, January.
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    18. Gholam Reza Zandi & Erlane K. Ghani & Retno Martanti Endah Lestari & Siti Maimunah, 2019. "The Impact of Management Accounting Systems, Eco-Innovations and Energy Efficacy on Firm s Environmental and Economic Performance," International Journal of Energy Economics and Policy, Econjournals, vol. 9(6), pages 394-400.
    19. Umair Ahmed & Soleman Mozammel & Fazluz Zaman, 2020. "Impact of Ecological Innovation, Entrepreneurial Self-Efficacy and Entrepreneurial Orientation on Environmental Performance and Energy Efficiency," International Journal of Energy Economics and Policy, Econjournals, vol. 10(3), pages 289-295.
    20. Winwin Yadiati & Nissa Nissa & Sugiono Paulus & Harry Suharman & Meiryani Meiryani, 2019. "The Role of Green Intellectual Capital and Organizational Reputation in Influencing Environmental Performance," International Journal of Energy Economics and Policy, Econjournals, vol. 9(3), pages 261-268.
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    22. Mohammed Bellahcene & Hela Latreche, 2023. "E-Banking Adoption by Algerian Bank Customers: Towards an Integrated Model," International Journal of E-Services and Mobile Applications (IJESMA), IGI Global, vol. 15(1), pages 1-20, January.

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