Determining the Effect of Innovations for Mobile Banking Adoption in Pakistan

Abstract

Mobile banking is the source of checking the daily banking affairs at anywhere, where the internet service is available. The main objective of this research was to check the impact of innovations on adoption of mobile banking in Pakistan. The research was based on primary data, which was collected from 500 students of all the public and private universities of Pothohar region (Islamabad/Rawalpindu) by means of a questionnaire. Random Sampling Technique was used and through SPSS the correlation analysis and regression analysis were calculated. The correlation analysis results showed that there is positive significant relationship between Innovations, with adoption of mobile banking in Pakistan. The regression analysis showed that the value of R square = 0.621, which means that the independent variable Innovation has 62%  effect on dependent variable  Mobile Banking Adoption. This research will helpful for banking sector and other related commercial organizations.

Keywords: Innovations, Telecom Sector, Mobile banking, Pakistani Environment.