Logo
Munich Personal RePEc Archive

Factors affecting adoption of mobile banking in Pakistan: Empirical Evidence

Kazi, Abdul Kabeer and Mannan, Muhammad Adeel (2013): Factors affecting adoption of mobile banking in Pakistan: Empirical Evidence. Published in: International Journal of Research in Business and Social Science , Vol. 2, No. 3 (15 July 2013): pp. 54-61.

[thumbnail of MPRA_paper_47922.pdf]
Preview
PDF
MPRA_paper_47922.pdf

Download (295kB) | Preview

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.

Atom RSS 1.0 RSS 2.0

Contact us: mpra@ub.uni-muenchen.de

This repository has been built using EPrints software.

MPRA is a RePEc service hosted by Logo of the University Library LMU Munich.