IDEAS home Printed from https://ideas.repec.org/p/pra/mprapa/39314.html
   My bibliography  Save this paper

Factors affecting internet banking adoption among internal and external customers: a case of Pakistan

Author

Listed:
  • Raza, Syed Ali
  • Hanif, Nida

Abstract

This study investigates the determinants which attract the customers to adopt internet banking in Pakistan by employing internal and external customers, on the sample size of 210 for internal and 151 for external respondents through using the survey research instrument questionnaire. The confirmatory factor analysis with multiple regressions technique has been applied. The result of regression analysis shows that Perceived Usefulness (PU), Information of Internet Banking (INF), Perceived Risk (PR), Security and Privacy (SP) shows more influence to increase the intention of external customers to adopt internet banking services while Government Support (GS) provide more influence for the internal customers in adoption of internet banking services. This study proves that external customers can be more emphasize, if they believe convenient in adopting the services. It is recommended that, bank should take some consideration to apply internet banking by delivering the information in an easiest way, provide more usefulness and benefits and also minimize the fraud as providing more security and privacy. This will helps the bank to increase their profit by reducing its cost, time saving and retain more potential users.

Suggested Citation

  • Raza, Syed Ali & Hanif, Nida, 2011. "Factors affecting internet banking adoption among internal and external customers: a case of Pakistan," MPRA Paper 39314, University Library of Munich, Germany.
  • Handle: RePEc:pra:mprapa:39314
    as

    Download full text from publisher

    File URL: https://mpra.ub.uni-muenchen.de/39314/1/MPRA_paper_39314.pdf
    File Function: original version
    Download Restriction: no

    Other versions of this item:

    More about this item

    Keywords

    E-banking; Internet Banking (IB); TAM; Factor analysis; Multiple Regression;

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages

    Statistics

    Access and download statistics

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:pra:mprapa:39314. See general information about how to correct material in RePEc.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: (Joachim Winter). General contact details of provider: http://edirc.repec.org/data/vfmunde.html .

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    We have no references for this item. You can help adding them by using this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service hosted by the Research Division of the Federal Reserve Bank of St. Louis . RePEc uses bibliographic data supplied by the respective publishers.