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(PDF) E-Banking: A Case Study of Askari Commercial Bank Pakistan
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Both qualitative and quantitative methods are used to present the results. Descriptive statistics is applied to describe the demographic variables while for operational problems correlation was used. Finally cross case analysis present customers ’ perception about e-banking practices. Analysis shows that customer is not ready to adopt new technology that why their satisfaction level with e-banking is low. Internet speed and government policies are not supportive for e-banking in Pakistan. Due to lack of trust on technology and low computer literacy rate, customer hesitates to adopt new technology.: In order to promote IT culture in Pakistan, government has to reduce the internet rate. to promote the benefits of e-banking on media so that more user get...","author":[{"@context":"https://schema.org","@type":"Person","name":"Shahid Rashid","url":"https://hamdard-pk.academia.edu/ShahidRashid"}],"contributor":[],"dateCreated":"2022-03-09","datePublished":"2015-01-01","headline":"E-Banking: A Case Study of Askari Commercial Bank Pakistan","image":"https://attachments.academia-assets.com/81931424/thumbnails/1.jpg","inLanguage":"en","keywords":["Business","Marketing","E Readiness","Computer Literacy","New Technology","Case Study","ATM","Government Policy","E Banking","Technology Acceptance Models","Technology Acceptance Model","Online Transaction","Commercial Banks","Management Marketing","Internet","Quantitative 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{"work":{"id":73392605,"created_at":"2022-03-09T04:22:57.005-08:00","from_world_paper_id":198067804,"updated_at":"2022-03-09T04:46:06.712-08:00","_data":{"abstract":"This paper has covered the operational issues related to e-banking as well as customer’s perception on usage of e-banking a case study of Askari Bank, Pakistan. 40 staff members and four customers are selected as sample for this study. Both qualitative and quantitative methods are used to present the results. Descriptive statistics is applied to describe the demographic variables while for operational problems correlation was used. Finally cross case analysis present customers ’ perception about e-banking practices. Analysis shows that customer is not ready to adopt new technology that why their satisfaction level with e-banking is low. Internet speed and government policies are not supportive for e-banking in Pakistan. Due to lack of trust on technology and low computer literacy rate, customer hesitates to adopt new technology.: In order to promote IT culture in Pakistan, government has to reduce the internet rate. to promote the benefits of e-banking on media so that more user get...","publication_date":"2015,,"},"document_type":"paper","pre_hit_view_count_baseline":null,"quality":"high","language":"en","title":"E-Banking: A Case Study of Askari Commercial Bank Pakistan","broadcastable":false,"draft":null,"has_indexable_attachment":true,"indexable":true}}["work"]; window.loswp.workCoauthors = [2532663]; window.loswp.locale = "en"; window.loswp.countryCode = "SG"; window.loswp.cwvAbTestBucket = ""; window.loswp.designVariant = "ds_vanilla"; window.loswp.fullPageMobileSutdModalVariant = "full_page_mobile_sutd_modal"; window.loswp.useOptimizedScribd4genScript = false; window.loginModal = {}; window.loginModal.appleClientId = 'edu.academia.applesignon'; window.userInChina = "false";</script><script defer="" src="https://accounts.google.com/gsi/client"></script><div class="ds-loswp-container"><div class="ds-work-card--grid-container"><div class="ds-work-card--container js-loswp-work-card"><div class="ds-work-card--cover"><div class="ds-work-cover--wrapper"><div class="ds-work-cover--container"><button class="ds-work-cover--clickable js-swp-download-button" data-signup-modal="{"location":"swp-splash-paper-cover","attachmentId":81931424,"attachmentType":"pdf"}"><img alt="First page of “E-Banking: A Case Study of Askari Commercial Bank Pakistan”" class="ds-work-cover--cover-thumbnail" src="https://0.academia-photos.com/attachment_thumbnails/81931424/mini_magick20220309-4477-1lphdo7.png?1646828693" /><img alt="PDF Icon" class="ds-work-cover--file-icon" src="//a.academia-assets.com/images/single_work_splash/adobe_icon.svg" /><div class="ds-work-cover--hover-container"><span class="material-symbols-outlined" style="font-size: 20px" translate="no">download</span><p>Download Free PDF</p></div><div class="ds-work-cover--ribbon-container">Download Free PDF</div><div class="ds-work-cover--ribbon-triangle"></div></button></div></div></div><div class="ds-work-card--work-information"><h1 class="ds-work-card--work-title">E-Banking: A Case Study of Askari Commercial Bank Pakistan</h1><div class="ds-work-card--work-authors ds-work-card--detail"><a class="ds-work-card--author js-wsj-grid-card-author ds2-5-body-md ds2-5-body-link" data-author-id="2532663" href="https://hamdard-pk.academia.edu/ShahidRashid"><img alt="Profile image of Shahid Rashid" class="ds-work-card--author-avatar" src="https://0.academia-photos.com/2532663/789046/980675/s65_shahid.rashid.jpg" />Shahid Rashid</a></div><div class="ds-work-card--detail"><p class="ds-work-card--detail ds2-5-body-sm">2015</p><div class="ds-work-card--work-metadata"><div class="ds-work-card--work-metadata__stat"><span class="material-symbols-outlined" style="font-size: 20px" translate="no">visibility</span><p class="ds2-5-body-sm" id="work-metadata-view-count">…</p></div><div class="ds-work-card--work-metadata__stat"><span class="material-symbols-outlined" style="font-size: 20px" translate="no">description</span><p class="ds2-5-body-sm">12 pages</p></div><div class="ds-work-card--work-metadata__stat"><span class="material-symbols-outlined" style="font-size: 20px" translate="no">link</span><p class="ds2-5-body-sm">1 file</p></div></div><script>(async () => { const workId = 73392605; const worksViewsPath = "/v0/works/views?subdomain_param=api&work_ids%5B%5D=73392605"; const getWorkViews = async (workId) => { const response = await fetch(worksViewsPath); if (!response.ok) { throw new Error('Failed to load work views'); } const data = await response.json(); return data.views[workId]; }; // Get the view count for the work - we send this immediately rather than waiting for // the DOM to load, so it can be available as soon as possible (but without holding up // the backend or other resource requests, because it's a bit expensive and not critical). const viewCount = await getWorkViews(workId); const updateViewCount = (viewCount) => { try { const viewCountNumber = parseInt(viewCount, 10); if (viewCountNumber === 0) { // Remove the whole views element if there are zero views. document.getElementById('work-metadata-view-count')?.parentNode?.remove(); return; } const commaizedViewCount = viewCountNumber.toLocaleString(); const viewCountBody = document.getElementById('work-metadata-view-count'); if (!viewCountBody) { throw new Error('Failed to find work views element'); } viewCountBody.textContent = `${commaizedViewCount} views`; } catch (error) { // Remove the whole views element if there was some issue parsing. document.getElementById('work-metadata-view-count')?.parentNode?.remove(); throw new Error(`Failed to parse view count: ${viewCount}`, error); } }; // If the DOM is still loading, wait for it to be ready before updating the view count. if (document.readyState === "loading") { document.addEventListener('DOMContentLoaded', () => { updateViewCount(viewCount); }); // Otherwise, just update it immediately. } else { updateViewCount(viewCount); } })();</script></div><p class="ds-work-card--work-abstract ds-work-card--detail ds2-5-body-md">This paper has covered the operational issues related to e-banking as well as customer’s perception on usage of e-banking a case study of Askari Bank, Pakistan. 40 staff members and four customers are selected as sample for this study. Both qualitative and quantitative methods are used to present the results. Descriptive statistics is applied to describe the demographic variables while for operational problems correlation was used. Finally cross case analysis present customers ’ perception about e-banking practices. Analysis shows that customer is not ready to adopt new technology that why their satisfaction level with e-banking is low. Internet speed and government policies are not supportive for e-banking in Pakistan. Due to lack of trust on technology and low computer literacy rate, customer hesitates to adopt new technology.: In order to promote IT culture in Pakistan, government has to reduce the internet rate. to promote the benefits of e-banking on media so that more user get...</p><div class="ds-work-card--button-container"><button class="ds2-5-button js-swp-download-button" data-signup-modal="{"location":"continue-reading-button--work-card","attachmentId":81931424,"attachmentType":"pdf","workUrl":"https://www.academia.edu/73392605/E_Banking_A_Case_Study_of_Askari_Commercial_Bank_Pakistan"}">See full PDF</button><button class="ds2-5-button ds2-5-button--secondary js-swp-download-button" data-signup-modal="{"location":"download-pdf-button--work-card","attachmentId":81931424,"attachmentType":"pdf","workUrl":"https://www.academia.edu/73392605/E_Banking_A_Case_Study_of_Askari_Commercial_Bank_Pakistan"}"><span class="material-symbols-outlined" style="font-size: 20px" translate="no">download</span>Download PDF</button></div><div class="ds-signup-banner-trigger-container"><div class="ds-signup-banner-trigger ds-signup-banner-trigger-control"></div></div><div class="ds-signup-banner ds-signup-banner-control"><div id="ds-signup-banner-close-button"><button class="ds2-5-button ds2-5-button--secondary ds2-5-button--inverse"><span class="material-symbols-outlined" style="font-size: 20px" translate="no">close</span></button></div><div class="ds-signup-banner-ctas"><img src="//a.academia-assets.com/images/academia-logo-capital-white.svg" /><h4 class="ds2-5-heading-serif-sm">Sign up for access to the world's latest research</h4><button class="ds2-5-button ds2-5-button--inverse ds2-5-button--full-width js-swp-download-button" data-signup-modal="{"location":"signup-banner"}">Sign up for free<span class="material-symbols-outlined" style="font-size: 20px" translate="no">arrow_forward</span></button></div><div class="ds-signup-banner-divider"></div><div class="ds-signup-banner-reasons"><div class="ds-signup-banner-reasons-item"><span class="material-symbols-outlined" style="font-size: 24px" translate="no">check</span><span>Get notified about relevant papers</span></div><div class="ds-signup-banner-reasons-item"><span class="material-symbols-outlined" style="font-size: 24px" translate="no">check</span><span>Save papers to use in your research</span></div><div class="ds-signup-banner-reasons-item"><span class="material-symbols-outlined" style="font-size: 24px" translate="no">check</span><span>Join the discussion with peers</span></div><div class="ds-signup-banner-reasons-item"><span class="material-symbols-outlined" style="font-size: 24px" translate="no">check</span><span>Track your impact</span></div></div></div><script>(() => { // Set up signup banner show/hide behavior: // 1. 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This research report tries to provide a better understanding of the usage of E-banking in Pakistan. This field of study analyzed with the help of five variables Perceived Usefulness, Privacy and Security, Web Design, Trust and Self-efficacy. Causal study was undertaken for investigation through primary data collected from verified questionnaire developed and modified according to the extensive literature review. Statistical techniques of correlation and regression were used for empirical testing. The findings of this research shows that if customers perceive E-banking as useful, transactions are conducted on an a user-friendly website, information of the customers is secure and there is a bond of trust between the E-banking service provider and cust...</p><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"The Factors Effecting E-banking Usage in Pakistan","attachmentId":95199109,"attachmentType":"pdf","work_url":"https://www.academia.edu/92098060/The_Factors_Effecting_E_banking_Usage_in_Pakistan","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-wsj-grid-card-view-pdf" href="https://www.academia.edu/92098060/The_Factors_Effecting_E_banking_Usage_in_Pakistan"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div><div class="ds-related-work--container js-wsj-grid-card" data-collection-position="1" data-entity-id="32719331" data-sort-order="default"><a class="ds-related-work--title js-wsj-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/32719331/The_Factors_Effecting_E_banking_Usage_in_Pakistan_Background_of_E_banking_Usage_in_Pakistan">The Factors Effecting E-banking Usage in Pakistan Background of E-banking Usage in Pakistan</a><div class="ds-related-work--metadata"><a class="js-wsj-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="63649495" href="https://independent.academia.edu/AhalyaYousafzai">Ahalya Yousafzai</a></div><p class="ds-related-work--abstract ds2-5-body-sm">Banking sector is the lubricating wheel of modern economy and E-banking is one of the emerging trends of the banking industry which is not quite common yet in a developing country like Pakistan so it provides a lot of scope for research. This research report tries to provide a better understanding of the usage of E-banking in Pakistan. This field of study analyzed with the help of five variables Perceived Usefulness, Privacy and Security, Web Design, Trust and Self-efficacy. Causal study was undertaken for investigation through primary data collected from verified questionnaire developed and modified according to the extensive literature review. Statistical techniques of correlation and regression were used for empirical testing. The findings of this research shows that if customers perceive E-banking as useful, transactions are conducted on an a user-friendly website, information of the customers is secure and there is a bond of trust between the E-banking service provider and customer then there will be an impact of these factors on the E-banking usage. The implications of this study are that bankers can design the policy regarding E-banking keeping the four factors of Perceived Usefulness, Privacy and Security, Web Design and Trust in account. This research contributes by providing a combined impact of these five variables on E-banking usage which has not been studied until now and the fact that in Pakistani context, Self-Efficacy does not play an important role.</p><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"The Factors Effecting E-banking Usage in Pakistan Background of E-banking Usage in Pakistan","attachmentId":52879719,"attachmentType":"pdf","work_url":"https://www.academia.edu/32719331/The_Factors_Effecting_E_banking_Usage_in_Pakistan_Background_of_E_banking_Usage_in_Pakistan","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-wsj-grid-card-view-pdf" href="https://www.academia.edu/32719331/The_Factors_Effecting_E_banking_Usage_in_Pakistan_Background_of_E_banking_Usage_in_Pakistan"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div><div class="ds-related-work--container js-wsj-grid-card" data-collection-position="2" data-entity-id="1415273" data-sort-order="default"><a class="ds-related-work--title js-wsj-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/1415273/Customers_Perceptions_on_e_Banking_A_Case_Study_of_HBL_Jamshoro">Customer's Perceptions on e-Banking: A Case Study of HBL Jamshoro</a><div class="ds-related-work--metadata"><a class="js-wsj-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="1225215" href="https://muet.academia.edu/ArabellaBhutto">Arabella Bhutto</a></div><p class="ds-related-work--metadata ds2-5-body-xs">publications.muet.edu.pk</p><p class="ds-related-work--abstract ds2-5-body-sm">Pakistan service sector is on a major technological up gradation drive and is adopting the international standards. The banking sector is the largest service providing sector in Pakistan. HBL (Habib Bank Limited) is Pakistan's second largest bank with total assets of about Rs. 11.5 billion and a network of branches and over 300 ATMs (Automated Teller Machines). This research is conducted of 100 account holders of HBL in the Jamshoro district of Sindh Pakistan to find out the extent to which they are using the various services offered by the bank. Statistical tests are employed for the data analysis by using SPSS (Statistical Package for the Social Sciences). The logistic linear regressions models are used to anticipate the predicted variables. The model estimates that the conversion of Internet users to on line banking is about 30%.</p><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"Customer's Perceptions on e-Banking: A Case Study of HBL Jamshoro","attachmentId":9720803,"attachmentType":"pdf","work_url":"https://www.academia.edu/1415273/Customers_Perceptions_on_e_Banking_A_Case_Study_of_HBL_Jamshoro","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-wsj-grid-card-view-pdf" href="https://www.academia.edu/1415273/Customers_Perceptions_on_e_Banking_A_Case_Study_of_HBL_Jamshoro"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div><div class="ds-related-work--container js-wsj-grid-card" data-collection-position="3" data-entity-id="65906682" data-sort-order="default"><a class="ds-related-work--title js-wsj-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/65906682/Issues_of_E_Banking_in_Pakistan_Managers_Perceptions_about_E_Banking_Issues">Issues of E-Banking in Pakistan: Managers’ Perceptions about E-Banking Issues</a><div class="ds-related-work--metadata"><a class="js-wsj-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="7494487" href="https://ciitlahore.academia.edu/MuhammadJameKausarAliAsghar">Muhammad Jam e Kausar Ali Asghar</a></div><p class="ds-related-work--metadata ds2-5-body-xs">Global Regional Review</p><p class="ds-related-work--abstract ds2-5-body-sm">The banking industry is shifting from old traditional banking systems to virtual banking around the world. As it is moving towards online, the issues related to it are also increasing. Most common issues faced by e-banking around the globe are security, fraud, customer awareness, trust, risk, privacy, phishing attacks and government laws. The objective of this study is to highlight the issues faced by e-banking in developing countries like Pakistan. For this purpose, five national banks were selected. Interviews and discussions with the senior managers were conducted and transcribed. The critical issues identified were mostly related to security, regulatory and reversal of wrong transaction. Lack of awareness and knowledge about technical systems are also found as the major concerns of the senior management of these banks. The findings of this research will help the senior management to successfully develop proactive strategies for e-banking in Pakistan.</p><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"Issues of E-Banking in Pakistan: Managers’ Perceptions about E-Banking Issues","attachmentId":77301743,"attachmentType":"pdf","work_url":"https://www.academia.edu/65906682/Issues_of_E_Banking_in_Pakistan_Managers_Perceptions_about_E_Banking_Issues","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-wsj-grid-card-view-pdf" href="https://www.academia.edu/65906682/Issues_of_E_Banking_in_Pakistan_Managers_Perceptions_about_E_Banking_Issues"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div><div class="ds-related-work--container js-wsj-grid-card" data-collection-position="4" data-entity-id="89768510" data-sort-order="default"><a class="ds-related-work--title js-wsj-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/89768510/Customers_perceptions_towards_adoption_of_e_banking_in_Pakistan">Customers' perceptions towards adoption of e-banking in Pakistan</a><div class="ds-related-work--metadata"><a class="js-wsj-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="243275553" href="https://independent.academia.edu/ImranMunawarQureshi92497LecturerBICISD">Imran Munawar Qureshi - 92497/Lecturer/BICISD</a></div><p class="ds-related-work--metadata ds2-5-body-xs">International Journal of Economics and Business Research, 2011</p><p class="ds-related-work--abstract ds2-5-body-sm">Electronic distribution channels provide alternatives for faster delivery of banking services to a wider scope of customers. This study aims to understand customers' perception towards the potential benefits and risks associated with electronic banking in Pakistan. The outcomes would help the policy makers to develop effective strategies for future outlook of electronic banking in a country. Primary sources were used to collect the data which were analysed via frequency and mean score analysis. The results suggest that banks' customers in Pakistan perceive electronic banking as a tool for minimising inconvenience, minimising risk of carrying cash and time saving. Customers further believe that electronic banking increases chances of government access to public data, increases chances of fraud and data losses. The results conclude that various customers segments do not differ in opinions towards benefits and risks associated with e-banking.</p><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"Customers' perceptions towards adoption of e-banking in Pakistan","attachmentId":93519132,"attachmentType":"pdf","work_url":"https://www.academia.edu/89768510/Customers_perceptions_towards_adoption_of_e_banking_in_Pakistan","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-wsj-grid-card-view-pdf" href="https://www.academia.edu/89768510/Customers_perceptions_towards_adoption_of_e_banking_in_Pakistan"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div><div class="ds-related-work--container js-wsj-grid-card" data-collection-position="5" data-entity-id="48349010" data-sort-order="default"><a class="ds-related-work--title js-wsj-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/48349010/E_Banking_Challenges_in_Pakistan_An_Empirical_Study">E-Banking Challenges in Pakistan: An Empirical Study</a><div class="ds-related-work--metadata"><a class="js-wsj-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="99594725" href="https://umsit.academia.edu/hammadsalam">hammad salam</a></div><p class="ds-related-work--metadata ds2-5-body-xs">Journal of Computer and Communications</p><p class="ds-related-work--abstract ds2-5-body-sm">Electronic banking has provision networks that replaces and replicated various activities currently executing by the bank. Hence e-banking now plays a vital role to carry out the individual as well as corporate financial activities execution. Even e-banking activities based on the internet or virtual private networks own by the bank, therefore communication channel, distribution channel and transactions channel must be secure. The research article explores the current trends in the e-banking uprising that has set a goal in the Pakistani banking sector to provide any easy interface to their customers which avail the e-banking services without any physical presence in the bank vicinity. This empirical study was carried out in Pakistan which indicating the current issues encounter by the e-banking application in various banking industries. The analysis in this paper further reveals that approachability of internet in banking sector makes customer reluctant to access their bank accounts electronically. The usage of e-banking significantly affects the customer trust due to unavailability of cyber security.</p><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"E-Banking Challenges in Pakistan: An Empirical Study","attachmentId":67008671,"attachmentType":"pdf","work_url":"https://www.academia.edu/48349010/E_Banking_Challenges_in_Pakistan_An_Empirical_Study","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-wsj-grid-card-view-pdf" href="https://www.academia.edu/48349010/E_Banking_Challenges_in_Pakistan_An_Empirical_Study"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div><div class="ds-related-work--container js-wsj-grid-card" data-collection-position="6" data-entity-id="125279949" data-sort-order="default"><a class="ds-related-work--title js-wsj-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/125279949/Accepting_of_E_banking_among_Banking_Customers_of_Pakistan">Accepting of E-banking among Banking Customers of Pakistan</a><div class="ds-related-work--metadata"><a class="js-wsj-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="303726256" href="https://independent.academia.edu/AbdulJabbarKhan26">Abdul Jabbar Khan</a></div><p class="ds-related-work--metadata ds2-5-body-xs">Information Management and Business Review, 2012</p><p class="ds-related-work--abstract ds2-5-body-sm">E-banking is a platform through which a banking customer can perform its financial or non financial transactions electronically without visiting bank, which not only reduces transaction costs but also saves time.E-banking customers are increasing worldwide but its adoption is low in Pakistan. This study is done to investigate the most important factors which contribute to the espousal of E-banking in Pakistan. For this research primary data was collected from 217 customers of different ages, data was collected by structured questionnaire. Statistical descriptive analysis was used to analyze the data. The results shows that privacy and security, trust, ease of usefulness, knowledge and awareness, inaccessibility and came in person preferences are the factors which affect adoption of E-banking in Pakistani customers. Findings also indicate that banking customers of Pakistan are willing to take on E-banking if proper guideline and awareness is provided to them by banks or banking regul...</p><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"Accepting of E-banking among Banking Customers of Pakistan","attachmentId":119352476,"attachmentType":"pdf","work_url":"https://www.academia.edu/125279949/Accepting_of_E_banking_among_Banking_Customers_of_Pakistan","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-wsj-grid-card-view-pdf" href="https://www.academia.edu/125279949/Accepting_of_E_banking_among_Banking_Customers_of_Pakistan"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div><div class="ds-related-work--container js-wsj-grid-card" data-collection-position="7" data-entity-id="39769577" data-sort-order="default"><a class="ds-related-work--title js-wsj-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/39769577/The_Challenges_of_Adopting_the_Use_of_E_Banking_to_the_Customers_The_Case_of_Kasama_District_Banking_Customers">The Challenges of Adopting the Use of E-Banking to the Customers: The Case of Kasama District Banking Customers</a><div class="ds-related-work--metadata"><a class="js-wsj-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="5220381" href="https://independent.academia.edu/saviourlusaya">saviour lusaya</a></div><p class="ds-related-work--metadata ds2-5-body-xs">Scholar Journal of Applied Sciences and Research, 2018</p><p class="ds-related-work--abstract ds2-5-body-sm">With technological advancement, it was imperative that banks and their customers switch to the new ways of banking called e-banking. This study therefore investigated the challenges of adopting the use of e-banking by customers. Using a descriptive study, this study collected primary data from 50 respondents from the banking sector in Kasama. The respondents were selected using a simple random sampling. The results of the study found that availability of information on e-banking, education level and the cost associated with e-banking were the significant challenges to adopting and use of e-banking by customers. This was consistent with most studies reviewed and in line with most theories such as the TAM, the TRA and the decomposed theory of Reasoned Behaviour. It was concluded that making information available would increase the number of customers using e-banking. The researcher therefore recommended that Banks embark on information dissemination on the use of e-banking, benefits and cost of e-banking and that though security did not significantly affect e-banking usage, the bank should guarantee security of the accounts.</p><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"The Challenges of Adopting the Use of E-Banking to the Customers: The Case of Kasama District Banking Customers","attachmentId":59952539,"attachmentType":"pdf","work_url":"https://www.academia.edu/39769577/The_Challenges_of_Adopting_the_Use_of_E_Banking_to_the_Customers_The_Case_of_Kasama_District_Banking_Customers","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-wsj-grid-card-view-pdf" href="https://www.academia.edu/39769577/The_Challenges_of_Adopting_the_Use_of_E_Banking_to_the_Customers_The_Case_of_Kasama_District_Banking_Customers"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div><div class="ds-related-work--container js-wsj-grid-card" data-collection-position="8" data-entity-id="64181780" data-sort-order="default"><a class="ds-related-work--title js-wsj-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/64181780/The_Challenges_of_Adopting_the_Use_of_E_Banking_to_the_Customers_The_Case_of_Kasama_District_Banking_Customers_Article_Information">The Challenges of Adopting the Use of E-Banking to the Customers : The Case of Kasama District Banking Customers Article Information</a><div class="ds-related-work--metadata"><a class="js-wsj-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="5220381" href="https://independent.academia.edu/saviourlusaya">saviour lusaya</a></div><p class="ds-related-work--metadata ds2-5-body-xs">2018</p><p class="ds-related-work--abstract ds2-5-body-sm">With technological advancement, it was imperative that banks and their customers switch to the new ways of banking called e-banking. This study therefore investigated the challenges of adopting the use of e-banking by customers. Using a descriptive study, this study collected primary data from 50 respondents from the banking sector in Kasama. The respondents were selected using a simple random sampling. The results of the study found that availability of information on e-banking, education level and the cost associated with e-banking were the significant challenges to adopting and use of e-banking by customers. This was consistent with most studies reviewed and in line with most theories such as the TAM, the TRA and the decomposed theory of Reasoned Behaviour. It was concluded that making information available would increase the number of customers using e-banking. The researcher therefore recommended that Banks embark on information dissemination on the use of e-banking, benefits a...</p><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"The Challenges of Adopting the Use of E-Banking to the Customers : The Case of Kasama District Banking Customers Article Information","attachmentId":76335669,"attachmentType":"pdf","work_url":"https://www.academia.edu/64181780/The_Challenges_of_Adopting_the_Use_of_E_Banking_to_the_Customers_The_Case_of_Kasama_District_Banking_Customers_Article_Information","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-wsj-grid-card-view-pdf" href="https://www.academia.edu/64181780/The_Challenges_of_Adopting_the_Use_of_E_Banking_to_the_Customers_The_Case_of_Kasama_District_Banking_Customers_Article_Information"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div><div class="ds-related-work--container js-wsj-grid-card" data-collection-position="9" data-entity-id="100631746" data-sort-order="default"><a class="ds-related-work--title js-wsj-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/100631746/Customer_Attitude_towards_E_Banking_Technology_with_Special_Reference_to_Barnala_District_of_Punjab">Customer Attitude towards E-Banking Technology with Special Reference to Barnala District of Punjab</a><div class="ds-related-work--metadata"><a class="js-wsj-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="266871951" href="https://independent.academia.edu/shubhambansal208">shubham bansal</a></div><p class="ds-related-work--metadata ds2-5-body-xs">International Journal of Education and Management Engineering, 2017</p><p class="ds-related-work--abstract ds2-5-body-sm">Technology innovations are having significantly importance in human life in general and in professional life in particular. The quick expansion of information technology has refined the life of millions of people. Banking is no exception these days. Considering the growing customer expectations at present time, banks and other financial institutions have incorporated online and mobile banking technology to ease customer"s efforts. Innovations such as E-Banking technology have changed the critical structure of all banking system by lowering transaction cost. New E-Banking technology applications are used in mobile phones to check account balances, alerts and conduct other banking activities. The present study is based on to identify the factor affecting the Customer Attitude towards E-Banking Technology. One of the most important changes in the banking industry has been the customer movement from traditional branch banking to electronic banking such as E-Banking.</p><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"Customer Attitude towards E-Banking Technology with Special Reference to Barnala District of Punjab","attachmentId":101399522,"attachmentType":"pdf","work_url":"https://www.academia.edu/100631746/Customer_Attitude_towards_E_Banking_Technology_with_Special_Reference_to_Barnala_District_of_Punjab","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-wsj-grid-card-view-pdf" href="https://www.academia.edu/100631746/Customer_Attitude_towards_E_Banking_Technology_with_Special_Reference_to_Barnala_District_of_Punjab"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div></div></div><div class="ds-sticky-ctas--wrapper js-loswp-sticky-ctas hidden"><div class="ds-sticky-ctas--grid-container"><div class="ds-sticky-ctas--container"><button class="ds2-5-button js-swp-download-button" data-signup-modal="{"location":"continue-reading-button--sticky-ctas","attachmentId":81931424,"attachmentType":"pdf","workUrl":null}">See full PDF</button><button class="ds2-5-button ds2-5-button--secondary js-swp-download-button" data-signup-modal="{"location":"download-pdf-button--sticky-ctas","attachmentId":81931424,"attachmentType":"pdf","workUrl":null}"><span class="material-symbols-outlined" style="font-size: 20px" translate="no">download</span>Download PDF</button></div></div></div><div class="ds-below-fold--grid-container"><div class="ds-work--container js-loswp-embedded-document"><div class="attachment_preview" data-attachment="Attachment_81931424" style="display: none"><div class="js-scribd-document-container"><div class="scribd--document-loading js-scribd-document-loader" style="display: block;"><img alt="Loading..." src="//a.academia-assets.com/images/loaders/paper-load.gif" /><p>Loading Preview</p></div></div><div style="text-align: center;"><div class="scribd--no-preview-alert js-preview-unavailable"><p>Sorry, preview is currently unavailable. 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