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Factors that Influence the Adoption of Online Banking Services in Hyderabad


  • Faiz M. Shaikh


  • Zahid Hussain Kazi

    (University of Sindh-Jamshoro)

  • Ambreen Khaskheley

    (University of Sindh-Jamshoro)


The purpose of this research paper is to determine those factors that influence the adoption of online banking services in Hyderabad. Data were collected from 200 respondent using online banking practices in Hyderababad Sindh-Pakistan by using simple random technique. A structural Questionnaire was developed for the reliability and validity of data. In this study data of independent variable and dependent variable were collect from the customers of different banks of Hyderabad.The questionnaire has been used to collect the information for respondents, For measurement, we will quantify the respondent’s response with the help of likert 5 point scale. Ranging from (1 = strongly disagree, 5 = strongly agree). It was revealed that the model tested clearly that use of online banking is influenced by channel convenience, perceived risk, security perception, prior internet knowledge and information on online banking. The results also determine that demographic factors also impact significantly on online banking. Finally, this paper suggests that an understanding the factors affecting intention to use internet banking is very important to the practitioners who plan and promote new forms of banking in the current competitive market.

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  • Faiz M. Shaikh & Zahid Hussain Kazi & Ambreen Khaskheley, 2014. "Factors that Influence the Adoption of Online Banking Services in Hyderabad," Romanian Statistical Review Supplement, Romanian Statistical Review, vol. 62(11), pages 49-63, November.
  • Handle: RePEc:rsr:supplm:v:62:y:2014:i:11:p:49-63

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    References listed on IDEAS

    1. B. Peters & Jon Pierre & Tiina Randma-Liiv, 2011. "Global Financial Crisis, Public Administration and Governance: Do New Problems Require New Solutions?," Public Organization Review, Springer, vol. 11(1), pages 13-27, March.
    2. Siu-cheung Chan & Ming-te Lu, 2004. "Understanding Internet Banking Adoption and Use Behavior: A Hong Kong Perspective," Journal of Global Information Management (JGIM), IGI Global, vol. 12(3), pages 21-43, July.
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    Hyderabad; online banking;


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