IMPACT OF ALTERNATIVE FACTORS ON USAGE OF TELCO-LED BRANCHLESS BANKING SERVICES: EMPIRICAL EVIDENCE FROM PAKISTAN

Kaleem Mustafa () and Abdul Waheed
Additional contact information
Kaleem Mustafa: Ph. D. Scholar, Department of Public Administration, University of Karachi, Main University Road Karachi - 75270 Pakistan
Abdul Waheed: PhD, Department of Economics & Finance, College of Business Administration, University of Bahrain, Kingdom of Bahrain

Journal of Internet Banking and Commerce, 2016, vol. 21, issue 03, 01-19

Abstract: This study analyzes the impact of alternative factors on usage of branchless banking services among different mobile users in Pakistan. The sample used in this study is based on 850 questionnaires filled by different mobile subscribers at franchises, retail outlets and shops in most populated city of Pakistan (Karachi) during January, 2015- December, 2015. The dependent variable in the study is the branchless banking adoption, which is a binary variable. We used binomial logistic regression analysis method and included a set of explanatory variables to predict the branchless banking usage and non-usage. The study found perceived usefulness had a strong positive impact on branchless banking adoption, while having a bank account was found to have a strong negative impact. Salaried persons, low-income groups and less educated population segment are more attractive towards usage of branchless banking products. The study concludes that mobile operator based branchless banking services has huge potential to reach unbanked and untapped segment of the society in Pakistan.

Keywords: Financial Inclusion; Branchless Banking; Binary Logistic Regression (search for similar items in EconPapers)
JEL-codes: A11 (search for similar items in EconPapers)
Date: 2016
References: Add references at CitEc
Citations:

Downloads: (external link)
https://www.icommercecentral.com/open-access/impac ... kistan.php?aid=83300 Full text (text/html)

Related works:
This item may be available elsewhere in EconPapers: Search for items with the same title.

Export reference: BibTeX RIS (EndNote, ProCite, RefMan) HTML/Text

Persistent link: https://EconPapers.repec.org/RePEc:ris:joibac:0206

Access Statistics for this article

Journal of Internet Banking and Commerce is currently edited by Vijaya Lakshmi, Nahum Goldmann and Dale Pinto

More articles in Journal of Internet Banking and Commerce
Bibliographic data for series maintained by Dale Pinto ().