DETERMINANTS OF ALTERNATIVE DELIVERY CHANNELS IN BANKING SECTOR

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 on .The 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.