Assessing the Impacts of Ecological Conditions on Consumer Acceptance of E-Banking in Khyber Pakhtunkhwa, Pakistan

Abstract

The pace of eBanking accepting is very slow in Pakistan, which is also one of the most debated issues among researchers of eBusiness in Pakistan generally and Khyber Pakhtunkhwa (KP) in particular. This paper focuses on the perceived security effects of eBusiness on acceptance of eBanking, and the role of local environmental conditions i.e. attitude, subjective norms, and perceived behavioral factors towards acceptance in of eBanking in Khyber Pakhtunkhwa in comparison of these factors in the Punjab province. This study is based on the information gathered from the (300) sample respondents i.e. individual banking customers in the provinces of KP and Punjab. The regression analyses were used. Findings of the study suggest that customer perceived non-repudiation; trust relative advantage, internet experience and banking needs as the most significant factors that shape and reshape the acceptance in KP, while in comparison, the internet experience and banking needs were found with significant impacts on eBanking acceptance in the Punjab province.

Keywords: eBanking, Security, Trust, Internet Experience, Banking Needs, Ecological Conditions, KP, Punjab and Pakistan