Abstract:
This thesis focuses the precedence of alternative delivery channels in Pakistan's
banking sector, notably in the city of Karachi. ADCs are becoming a well-known platform for
banks to supply economic services to customers located in unique sectors ofthe industry
study aims to identify the large demographic and carrier shipping variables that may influence
the use ofADCs by banking clients in Pakistan. The research employs a confirmatory technique
via deductive method software and information collecting from a non-probabilistic pattern
length of300 respondents via the convenience sampling strategy. The conclusions ofthis study
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can help banks in Pakistan enhance their carrier shipping channels, and they may also be
generalized to other city areas throughout the world. The study findings lead the researchers to
the conclusion that clients have a variety of options for using direct banking channels. It has
been discovered that there is a significant association between the use of ADCs and the
demographic variables of gender, educational level, and wages, as well as the provider
transport aspects of time-economic savings and convenience. Despite this, the logistic
regression results revealed that age, the proportion of savings on transaction expenses, and
transaction protection are undersized. Furthermore, the outcomes of this study suggest that
banks should underline the role of generation as a vital enabler in improving customer
enjoyment and satisfaction. It is also vital for banks to conduct effective ADC training
programs for both their clients and their employees. Banks should engage on building targeted
advertising to help clients overcome their skepticism about these new channels, which is a
necessary step in boosting their use. Finally, when it comes to implementing new technology,
all institutions should prioritize customer security.
