An Analysis of Mobile Banking Acceptance by Pakistani Customers

Abstract

This study explores the factors affecting and manipulating the mobile banking acceptance by Pakistani customers. The expansion of technology has generated new opportunities  in the world as the expansion of mobile technology has merged the financial and telecom service providers to pioneer new innovations for financial institutions in order to provide branchless banking through mobile banking. This research acquires a TAM (Technology Acceptance Model). Outcomes of this study sustains extensive TAM in forecasting bank customer’s behavioural intent to use mobile banking. The data was collected from the MCB bank account holders in Pakistan which includes 200 survey responses, analyze through statistical techniques: regression analysis. The result of data analysis demonstrated the context of the following variables such as speed, self-efficacy (SE), Mobilty Access(MA) , Advertising(AT) and quality of service , user perception relates to the convenience of mobile banking that affect the tendency to use and adoption.

Keywords: Mobile Banking, Innovation, TAM.