Factors Affecting the Adoption of Internet Banking in Pakistan during Covid-19

Abstract

The objective of this study is to evaluate the variables that influence the acceptance and usage of IB in Pakistan during the outbreak of Covid 19. In addition, the purpose of this study was to investigate the influence of perceived ease of use (PEOU), trust (TR), perceived usefulness (PU), attitude (AT), and subjective norm (SN) on customers' intentions to embrace IB during the Covid 19 pandemic in Pakistan. In this particular investigation, the quantitative methodology was used. For the purpose of data collection, a questionnaire was distributed. There were a total of 177 replies gathered, and all of the respondents were users of IB. The method known as "Partial Least Square Structural Equation Modelling" (PLS-SEM), which was implemented using "SmartPLS software version 3.3.3," was used in order to conduct the analysis of the descriptive data. According to the findings of the research, the perceived usefulness, trust, and attitude of customers has a substantial effect on their intention to embrace IB in Pakistan. On the other hand, perceived ease of use and subjective norm had little impact on customers' intentions to implement IB.