Factors Influencing Intention to Use Online Banking: A Case on Twin Cities of Pakistan

Abstract

This study is to investigate the factors influencing intention to use online banking in twin cities of Pakistan. In this study, the prime objective has been to investigate the relationship between perceived ease of use, perceived usefulness, perceived security, and perceived time saving (independent variables) and intention to use online banking (dependent variable) in twin cities of Pakistan. To prove the relationship between perceived ease of use, perceived usefulness, perceived security, perceived time saving and intention to use online banking, a structured questionnaire has been adopted and used to collect data from the users of online banking in Pakistan. Based on the data collected from the respondents through structured questionnaire, several statistical tests were applied. Results of those statistical tests have clearly indicated that there exists a significant relationship between determinants of online banking (perceived ease of use, perceived usefulness, perceived security, and perceived time saving) and intention to use online banking. Some statistical techniques such as descriptive frequencies, reliability, correlation, regression, ANOVA, and coefficients were used by the researcher to conduct this study. Finally, it can be said that determinants of online banking tend to have a significant positive impact on intention to use online banking in banking sector of twin cities of Pakistan.