Abstract:
Purpose
Purpose of this research is to find out the relationship and the impact of Perceived usefulness,
Self-efficacy, Privacy & security, Web design, and Trust on the usage of Electronic Banking
in Karachi, Pakistan.
Methodology & Design
Descriptive and quantitative research is being conducted. The method that is used to conduct
the research is based on adopted questionnaire and questionnaire is sent via Email, whatsapp
and other social platform to conduct the research. 400 respondents are selected those who are
the users of Electronic Banking services. SPPS version 20 is used as the statistical tool to
analyze the results that are collected from targeted population for necessary actions. The
method used to find out the result is correlation and regression.
Findings
A result of this study shows the relationship of independent variable i.e. perceived
usefulness, Self-efficacy, Privacy & security, Web design, and Trust on dependent variable
i.e. Electronic Banking. Perceived usefulness has strong and positive relationship with
Electronic Banking whereas the other variable has moderate and positive relation except web
design. Information of customers is secured with internet banking. We found that there is
trust between Electronic Banking service provider and customers. Web design has no impact
on the usage of Electronic Banking in Karachi, Pakistan.
Limitations
Due to short period of time information could not be collected from all over the Pakistan so
that the research cannot be generalized and data is collected only from Karachi. The other
limitation in this study is that we focused only those customers who are aware of Electronic
Banking whereas the perception of other customers might be different about Electronic
Banking.
Recommendations
The final conclusion and recommended strategies are briefly mentioned in the chapter no 6 of
the same research paper which can be referred for further review and necessary actions.
