Title: Intentions of adopting blockchain technology and perceived benefits in banking sector of Pakistan

Authors: Faiza Sajjad; Novairah Azeemat

Addresses: Management Sciences Department, COMSATS University Islamabad, Abbottabad Campus, 22010, Pakistan ' Management Sciences Department, COMSATS University Islamabad, Abbottabad Campus, 22010, Pakistan

Abstract: The current study is analysing the intention of adopting blockchain technology and perceived benefits in the banking sector of Pakistan. The study consists of two frameworks. The first framework is based on technology acceptance model (TAM), intention of adopting blockchain technology is dependent variable, perceived ease of use and perceived usefulness are independent variables. The second framework consists of perceived benefits of blockchain technology. Multiple regression and confirmatory factor analyses are used to analyse the data. The result shows that, perceived ease of use and perceived usefulness have significant impact on the intention of adopting blockchain technology. Moreover, it is evident that there are many benefits of blockchain technology especially; secure remittances and high efficiency in banking sector. The study contributes to the existing literature empirically for banking sector of Pakistan and suggests that policymakers and managers should facilitate organisations to adopt blockchain technology.

Keywords: blockchain technology; banking sector; perceived benefits.

DOI: 10.1504/MEJM.2026.153669

Middle East Journal of Management, 2026 Vol.13 No.3, pp.351 - 370

Received: 10 Dec 2024
Accepted: 24 Mar 2025
Published online: 21 May 2026 *

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