Factors affecting internet banking adoption among internal and external customers: a case of Pakistan
Syed Raza and
Nida Hanif
MPRA Paper from University Library of Munich, Germany
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.
Keywords: E-banking; Internet Banking (IB); TAM; Factor analysis; Multiple Regression (search for similar items in EconPapers)
JEL-codes: G21 (search for similar items in EconPapers)
Date: 2011-12-19
References: View complete reference list from CitEc
Citations: View citations in EconPapers (7)
Downloads: (external link)
https://mpra.ub.uni-muenchen.de/39314/1/MPRA_paper_39314.pdf original version (application/pdf)
Related works:
Journal Article: Factors affecting internet banking adoption among internal and external customers: a case of Pakistan (2013) 
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:pra:mprapa:39314
Access Statistics for this paper
More papers in MPRA Paper from University Library of Munich, Germany Ludwigstraße 33, D-80539 Munich, Germany. Contact information at EDIRC.
Bibliographic data for series maintained by Joachim Winter ().