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Factors affecting adoption of mobile banking in Pakistan: Empirical Evidence

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  • Abdul Kabeer Kazi

    (Khadim Ali Shah Bukhari Institute of Technology, Karachi, Pakistan)

  • Muhammad Adeel Mannan

    (Khadim Ali Shah Bukhari Institute of Technology, Karachi, Pakistan)

Abstract

In this research paper we investigated the determinants likely to influence the adoption of mobile banking services, with a special focus on under banked/unbanked low-income population of Pakistan. The adoption of mobile banking services has been a strategic goal, both for banks and telcos. For this purpose, Technology Acceptance Model (TAM) was used, with additional determinants of perceived risk and social influence. Data was collected by surveying 372 respondents from the two largest cities (Karachi and Hyderabad) of the province Sindh, in Pakistan using judgement sampling method. This study empirically concluded that consumers’ intention to adopt mobile banking services was significantly influenced by social influence, perceived risk, perceived usefulness, and perceived ease of use. The most significant positive impact was of social influence on consumers’ intention to adopt mobile banking services. The paper concluded with discussion on results, and several business implications for the banking industry of Pakistan.

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Bibliographic Info

Article provided by Society for the Study of Business & Finance in its journal International Journal of Research in Business and Social Science.

Volume (Year): 2 (2013)
Issue (Month): 3 (July)
Pages: 54-61

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Handle: RePEc:rbs:ijbrss:v:2:y:2013:i:3:p:54-61

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Keywords: Mobile banking; technology adoption; social influence; perceived risk; low-income sector; Pakistan;

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  1. Forsythe, Sandra M. & Shi, Bo, 2003. "Consumer patronage and risk perceptions in Internet shopping," Journal of Business Research, Elsevier, vol. 56(11), pages 867-875, November.
  2. Viswanath Venkatesh & Fred D. Davis, 2000. "A Theoretical Extension of the Technology Acceptance Model: Four Longitudinal Field Studies," Management Science, INFORMS, vol. 46(2), pages 186-204, February.
  3. Ha, Sejin & Stoel, Leslie, 2009. "Consumer e-shopping acceptance: Antecedents in a technology acceptance model," Journal of Business Research, Elsevier, vol. 62(5), pages 565-571, May.
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