Factors Affecting Internet Banking usage: A Case Study Of Professional Graduates of Pakistan

This study examines the determinants which attract the customers to adopt internet banking in Pakistan. We took a sample of 257 respondents randomly and collected data through a structured questionnaire. We used Partial Least Squares (PLS) method to analyzed the data. Our selected variables were: Perceived Usefulness (PU), Information on online Banking (IOB), Perceived Risk (PR), Security and Privacy (SP). Our empirical results demonstrate more impact to expand the expectation of customers to adopt internet banking services while this study proves that customers can be more loyal if they feel convenience in adopting the services. We suggest that bank ought to create awareness about the benefits of cost-efficient internet banking.