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ELEMENTS INFLUENCING THE ADOPTION OF ELECTRONIC BANKING IN PAKISTAN AN INVESTIGATION CARRIED OUT BY USING UNIFIED THEORY OF ACCEPTANCE AND USE TECHNOLOGY (UTAUT) THEORY
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ELEMENTS INFLUENCING THE ADOPTION OF ELECTRONIC BANKING IN PAKISTAN AN INVESTIGATION CARRIED OUT BY USING UNIFIED THEORY OF ACCEPTANCE AND USE TECHNOLOGY (UTAUT) THEORY
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ELEMENTS INFLUENCING THE ADOPTION OF ELECTRONIC BANKING IN PAKISTAN AN INVESTIGATION CARRIED OUT BY USING UNIFIED THEORY OF ACCEPTANCE AND USE TECHNOLOGY (UTAUT) THEORY
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Journal Article
ELEMENTS INFLUENCING THE ADOPTION OF ELECTRONIC BANKING IN PAKISTAN AN INVESTIGATION CARRIED OUT BY USING UNIFIED THEORY OF ACCEPTANCE AND USE TECHNOLOGY (UTAUT) THEORY
2020
Overview
Purpose - With the upsurge, massive growth and development of internet and information technology, banking and financial services are being offered by the banks to their customers through e-banking extensively. This study aims to identify the elements influencing the adoption of Electronic Banking in Pakistan by using extended Unified Theory of Acceptance and Use Technology (UTAUT) theory. Design/methodology/approach - The research model was tested using survey-based research from 150 customers of three commercial banks of Pakistan. Data was analyzed using Statistical Package for Software Sciences. Findings - The findings supported all hypothesized relationship of Performance Expectancy (PE), Effort Expectancy (EE), Social Influence (SI), Facilitating Conditions (FC), Security (S), Risk (R) and Trust (T) with the Behavioral Intention (BI) and Usage Behavior (UB). The key and most important construct of usage of consumer's behavior in internet banking adoption is explained and positive relationship is seen among PE, EE, SI, FC, R, T, and S at the significance level 0.00. The Confirmatory Factor Analysis (CFA) explained the total variance of 78.44%. Practical implications - The findings of this research would help the banks managers in making their strategic decisions and policies for the implementation of e-banking. Additionally, the banks can improve their security systems by eliminating the element of risk and gaining the trust of their customers. Originality/value - The study is contributing in the literature by incorporating and testing UTAUT theory proposed by [1], for studying the factors which are effecting the adoption of e-banking in Pakistan, this theory was extended by adding three additional constructs.
