Title: Internet banking in Pakistan: an extended technology acceptance perspective

Authors: Sahar Afshan; Arshian Sharif; Nazneen Waseem; Reema Frooghi

Addresses: Dadabhoy Institute of Higher Education, Karachi, Pakistan ' Department of Management Sciences, Iqra University, Karachi, Pakistan ' Karachi University Business School, Karachi, Pakistan ' KASB Institute of Technology, Karachi, Pakistan

Abstract: The growing attractiveness of internet banking is contributing well in the success and growth process of banking sector around the world (Xu et al., 2009). This study examines the integrative framework of internet banking (IB) in Pakistan using technology acceptance model (TAM) with the integration of several risk dimensions and initial trust model. The techniques of both exploratory and confirmatory factor analyses are employed to assess the reliability and validity of the measurement model. The structural equation modelling method was also applied to investigate the hypothetical framework with the help of literature's recommended goodness-of-fit measurements. The findings of the study found significant contribution of personal propensity to trust, structural assurance, and familiarity with bank in influencing initial trust of people to accept IB. The findings are beneficial for banks that are pursuing IB in formulating strategies of enhancing user's acceptance of internet banking in Pakistan.

Keywords: internet banking; technology acceptance model; TAM; risk dimensions; initial trust; Pakistan.

DOI: 10.1504/IJBIS.2018.089863

International Journal of Business Information Systems, 2018 Vol.27 No.3, pp.383 - 410

Received: 18 Apr 2016
Accepted: 22 Aug 2016
Published online: 14 Feb 2018 *

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