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Internet Banking in Pakistan: Finding Complexities

Author

Listed:
  • Akhlaq, Mohammed Ather

    (Institute of Business Management)

  • Shah, Asadullah

    (Institute of Business Management, Korangi Creek)

Abstract

Technology is evolving every new day and has its impact on every thing. In this paper we will analyze the acceptance of technology in the Banking Industry of Pakistan. This research investigates complexities (factors) that have resisted or obstructed the adoption of Internet Banking in Pakistan. Traditional innovation diffusion model (IDT) is used to develop the research model indicating the proposed complexities and acceptance of Internet Banking among Pakistani users. The model is tested with a survey sample (n=45). Out of the nine complexities identified, six are found significant. The findings of the research signify that 67 % of the proposed complexities, Familiarity with the technology, Concerns for Download Speed, Unfriendly Website Design, Fear of Government tracking transactions, Security and People Gaining Access/Misusing, hinder the users in accepting and adopting internet banking technology in Pakistan

Suggested Citation

  • Akhlaq, Mohammed Ather & Shah, Asadullah, 2011. "Internet Banking in Pakistan: Finding Complexities," Journal of Internet Banking and Commerce, , vol. 16(1), pages 01-14, April.
    • Handle: RePEc:ris:joibac:0367
    as

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    More about this item

    Keywords

    Internet Banking Pakistan; Innovation Diffusion Theory; Complexities;
    All these keywords.

    JEL classification:

    • O47 - Economic Development, Innovation, Technological Change, and Growth - - Economic Growth and Aggregate Productivity - - - Empirical Studies of Economic Growth; Aggregate Productivity; Cross-Country Output Convergence

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