ISSUES OF EBANKING IN PAKISTAN MANAGERS PERCEPTIONS ABOUT EBANKING ISSUES

http://dx.doi.org/10.31703/grr.2019(IV-II).11      10.31703/grr.2019(IV-II).11      Published : Jun 2
Authored by : AbdulZahidKhan , HafizGhufran AliKhan , MuhammadJam e KausarAli Asghar

11 Pages : 93-105

References

  • Abid, H., & Noreen, U. (2006). Ready to E-bank: An exploratory research on adoption of e-banking and e-readiness in customers among commercial banks in Pakistan. Spider, 31(2), 1-31
  • Akhtar, S., Irfan, M., Sarwar, A., & Rashid, Q. U. A. (2019). Factors influencing individuals' intention to adopt mobile banking in China and Pakistan: The moderating role of cultural values. Journal of Public Affairs, 19(1), e1884
  • Akinci, S., Aksoy, Ş., & Atilgan, E. (2004). Adoption of internet banking among sophisticated consumer segments in an advanced developing country. International Journal of Bank Marketing, 22(3), 212-232.
  • Aladwani,A. M. (2001a). Change management strategies for successful ERP implementation. Business Process Management Journal, 7(3), 266-275
  • Aladwani, A. M. (2001b). Online banking: a field study of drivers, development challenges, and expectations. International Journal of Information Management, 21(3), 213-225.
  • Altintaş, M. H., & Tokol, T. (2007). Cultural openness and consumer ethnocentrism: An empirical analysis of Turkish consumers. Marketing Intelligence & Planning.
  • Amin, H. (2007). An analysis of mobile credit card usage intentions. Information Management & Computer Security, 15(4), 260-269
  • Bidabad, B., & Allahyarifard, M. (2019). IT role in fulfillment of Profit & Loss Sharing (PLS) mechanism. International Journal of Islamic Banking and Finance Research, 3(2), 44-59
  • Changchit, C., Klaus, T., Lonkani, R., & Sampet, J. (2019). A Cultural Comparative Study of Mobile Banking Adoption Factors. Journal of Computer Information Systems, 1-11
  • Claessens, J., Dem, V., De Cock, D., Preneel, B., & Vandewalle, J. (2002). On the security of todayÂ’s online electronic banking systems. Computers & Security, 21(3), 253-265
  • da Rocha, J. Y. N., & Martins, V. F. (2019). Factors for Resistance to the Use of Mobile Banking: A Study on the Resistance of Brazilian Internet Users Aged 45 Years or Older Multigenerational Online Behavior and Media Use: Concepts, Methodologies, Tools, and Applications(pp. 1301-1327): IGI Global
  • Darwish, A., & Lakhtaria, K. I. (2011). The impact of the new Web 2.0 technologies in communication, development, and revolutions of societies. Journal of Advances in Information Technology, 2(4), 204-216
  • Domazet, I. S., & Neogradi, S. (2019). Digital Marketing and Service Industry: Digital Marketing in the Banking Industry Managing Diversity, Innovation, and Infrastructure in Digital Business(pp. 20-40): IGI Global.
  • Echchabi, A., Al-Hajri, S., & Tanas, I. N. (2019). Analysis of E-Banking Acceptance in Oman: The Case of Islamic BanksÂ’ Customers. International Journal of Islamic Economics and Finance (IJIEF), 1(2), 145-164
  • Esfahani, M. N. (2019). E-Bank Services: Analyzing the Effect of E-Bank Service on E-Trust with E-Security Approach. European Research Studies Journal, 22(1), 158-166
  • Guerrero, M. M., Egea, J. M. O., & González, M. V. R. (2007). Application of the latent class regression methodology to the analysis of Internet use for banking transactions in the European Union. Journal of Business Research, 60(2), 137-145
  • Haque, A., Ismail, A. Z. H., & Daraz, A. H. (2009). Issues of e-banking transaction: an empirical investigation on Malaysian customers perception. Journal of Applied Sciences, 9(10), 1870-1879.
  • Hernández Ortega, B., Jiménez Martínez, J., & José Martín De Hoyos, M. (2007). Influence of the business technological compatibility on the acceptance of innovations. European Journal of Innovation Management, 10(1), 7-24.
  • Hussain, Z., Das, D., Bhutto, Z. A., Hammad-u-Salam, M., Talpur, F., & Rai, G. (2017). E-Banking Challenges in Pakistan: An Empirical Study. Journal of Computer and Communications, 5(02), 1
  • Kamath, K., Kohli, S., Shenoy, P., Kumar, R., Nayak, R., Kuppuswamy, P., & Ravichandran, N. (2003). Indian banking sector: Challenges and opportunities. Vikalpa, 28(3), 83-100
  • Kazmi, S. S. A., & Hashim, M. (2015). E-Banking in Pakistan: Issues and Challenges. International Journal of Academic Research in Business and Social Sciences, 5(3), 50.
  • Khurana, A. (2019). Digitalization in Banking: Convenience versus Security Threat. Available at SSRN 3358058
  • Koenaite, M., Chuchu, T., & Venter de Villiers, M. (2019). The impact of mobile banking on the adoption of banking products and services in South Africa, using the technology acceptance model.
  • Kolachi, N. A. (2006). Internet banking system of Pakistan| some crucial weaknesses and suggestions for improvement.
  • Kolachi, N. A. (2006). Internet banking system of Pakistan| some crucial weaknesses and suggestions for improvement.
  • Lee, M.-C. (2009). Factors influencing the adoption of internet banking: An integration of TAM and TPB with perceived risk and perceived benefit. Electronic Commerce Research and Applications, 8(3), 130-141.
  • Malaquias, R. F., & Hwang, Y. (2019). Mobile banking use: A comparative study with Brazilian and US participants. International Journal of Information Management, 44, 132-140
  • Namahoot, K. S., & Laohavichien, T. (2018). Assessing the intentions to use internet banking: The role of perceived risk and trust as mediating factors. International Journal of Bank Marketing, 36(2), 256-276
  • Nami, M. R. (2009). E-banking: Issues and challenges. Paper presented at the 2009 10th ACIS International Conference on Software Engineering, Artificial Intelligences, Networking and Parallel/Distributed Computing
  • Nath, R., Schrick, P., & Parzinger, M. (2001). Bankers' perspectives on Internet banking. E-Service, 1(1), 21-36.
  • Nitsure, R. R. (2003). E-banking: Challenges and Opportunities. Economic and Political Weekly, 5377-5381.
  • Nor, K. M., & Pearson, J. M. (2007). The influence of trust on internet banking acceptance. Journal of Internet Banking and Commerce, 12(2), 10
  • Nui Polatoglu, V., & Ekin, S. (2001). An empirical investigation of the Turkish consumersÂ’ acceptance of Internet banking services. International Journal of Bank Marketing, 19(4), 156-165.
  • Ojeniyi, J. A., & Abdulhamid, S. M. (2019). Security Risk Analysis in Online Banking Transactions: Using Diamond Bank as a Case Study. International Journal of Education and Management Engineering, 9(2), 1.
  • Oni, A. A., & Ayo, C. K. (2010). An empirical investigation of the level of users' acceptance of e-banking in Nigeria. Journal of internet banking and commerce, 15(1), 1-13
  • Palas, M. J. U., Uddin, R., & Hassan, M. (2019). Digitising government payments in Bangladesh: a mobile banking approach. Electronic Government, an International Journal, 15(2), 166-188
  • Pikkarainen, T., Pikkarainen, K., Karjaluoto, H., & Pahnila, S. (2004). Consumer acceptance of online banking: an extension of the technology acceptance model. Internet Research, 14(3), 224-235
  • Rahi, S., Ghani, M. A., & Ngah, A. H. (2019). Integration of unified theory of acceptance and use of technology in internet banking adoption setting: Evidence from Pakistan. Technology in Society
  • Ramesh, D., Jaunky, V. C., & Oodit, H. S. (2019). Perception towards adoption and acceptance of e-banking in Mauritius. Vishal C and Oodit, Heemlesh Sigh, Perception Towards Adoption and Acceptance of E-Banking in Mauritius (January 6, 2019)
  • Raza, S. A., & Hanif, N. (2011). Factors affecting internet banking adoption among internal and external customers: a case of Pakistan
  • Rehman, S., Zahid, M., Rahman, H. U., & Habib, M. N. (2019). A Partial Least Squares Approach to the Leadership Styles, Organizational Culture, and Employees' Productivity: A Case of Pakistan Banking Industry. International Journal of Asian Business and Information Management (IJABIM), 10(1), 55-64.
  • Salem, M. Z., Baidoun, S., & Walsh, G. (2019). Factors affecting Palestinian customers' use of online banking services. International Journal of Bank Marketing, 37(2), 426-451
  • Shah, M. (2009). E-Banking Management: Issues, Solutions, and Strategies: Issues, Solutions, and Strategies: IGI Global
  • Shahabi, V., & Faezy Razi, F. (2019). Modeling the effect of electronic banking expansion on profitability using neural networks and system dynamics approach. Qualitative Research in Financial Markets, 11(2), 197-210
  • Sharma, H. (2011). Bankers' perspectives on e-banking. Global journal of Research in Management, 1(1), 71
  • Siyal, A. W., Donghong, D., Umrani, W. A., Siyal, S., & Bhand, S. (2019). Predicting Mobile Banking Acceptance and Loyalty in Chinese Bank Customers. SAGE Open, 9(2), 2158244019844084
  • Sohail, M. S., & Shanmugham, B. (2003). E-banking and customer preferences in Malaysia: An empirical investigation. Information sciences, 150(3-4), 207-217
  • Suh, B., & Han, I. (2002). Effect of trust on customer acceptance of Internet banking. Electronic Commerce Research and Applications, 1(3-4), 247-263
  • Sumra, S. H., Manzoor, M. K., Sumra, H. H., & Abbas, M. (2011). The impact of e-banking on the profitability of banks: A study of Pakistani banks. Journal of Public Administration and Governance, 1(1), 31-38.
  • Tam, C., & Oliveira, T. (2019). Does culture influence m-banking use and individual performance? Information & Management, 56(3), 356-363
  • Van Deventer, M. (2019). Antecedents of Trust in Mobile Banking Amongst Generation Y Students in South Africa. Acta Universitatis Danubius. Ã…Â’conomica, 15(3)
  • Wang, Y.-S., Wang, Y.-M., Lin, H.-H., & Tang, T.-I. (2003). Determinants of user acceptance of Internet banking: an empirical study. International Journal of Service Industry Management, 14(5), 501-519
  • Wiliam, A., Sasmoko, S., & Prabowo, H. (2019). ANALYSISOF E-SERVICE CHATBOT AND SATISFACTION OF BANKING CUSTOMERS IN INDONESIA. Asia Proceedings of Social Sciences, 4(3), 72-75
  • Wu, C.-S., Cheng, F., & Lin, H. (2004). Web site usability evaluation of internet banking in Taiwan.Journal of Internet Banking and Commerce, 9(1), 23-36
  • Yang, J., Whitefield, M., & Boehme, K. (2007). New issues and challenges facing e-banking in rural areas: an empirical study. International Journal of Electronic Finance, 1(3), 336-354
  • Yousafzai, S. Y., Pallister, J. G., & Foxall, G. R. (2003). A proposed model of e-trust for electronic banking. Technovation,23(11), 847-860

References

  • Abid, H., & Noreen, U. (2006). Ready to E-bank: An exploratory research on adoption of e-banking and e-readiness in customers among commercial banks in Pakistan. Spider, 31(2), 1-31
  • Akhtar, S., Irfan, M., Sarwar, A., & Rashid, Q. U. A. (2019). Factors influencing individuals' intention to adopt mobile banking in China and Pakistan: The moderating role of cultural values. Journal of Public Affairs, 19(1), e1884
  • Akinci, S., Aksoy, Ş., & Atilgan, E. (2004). Adoption of internet banking among sophisticated consumer segments in an advanced developing country. International Journal of Bank Marketing, 22(3), 212-232.
  • Aladwani,A. M. (2001a). Change management strategies for successful ERP implementation. Business Process Management Journal, 7(3), 266-275
  • Aladwani, A. M. (2001b). Online banking: a field study of drivers, development challenges, and expectations. International Journal of Information Management, 21(3), 213-225.
  • Altintaş, M. H., & Tokol, T. (2007). Cultural openness and consumer ethnocentrism: An empirical analysis of Turkish consumers. Marketing Intelligence & Planning.
  • Amin, H. (2007). An analysis of mobile credit card usage intentions. Information Management & Computer Security, 15(4), 260-269
  • Bidabad, B., & Allahyarifard, M. (2019). IT role in fulfillment of Profit & Loss Sharing (PLS) mechanism. International Journal of Islamic Banking and Finance Research, 3(2), 44-59
  • Changchit, C., Klaus, T., Lonkani, R., & Sampet, J. (2019). A Cultural Comparative Study of Mobile Banking Adoption Factors. Journal of Computer Information Systems, 1-11
  • Claessens, J., Dem, V., De Cock, D., Preneel, B., & Vandewalle, J. (2002). On the security of todayÂ’s online electronic banking systems. Computers & Security, 21(3), 253-265
  • da Rocha, J. Y. N., & Martins, V. F. (2019). Factors for Resistance to the Use of Mobile Banking: A Study on the Resistance of Brazilian Internet Users Aged 45 Years or Older Multigenerational Online Behavior and Media Use: Concepts, Methodologies, Tools, and Applications(pp. 1301-1327): IGI Global
  • Darwish, A., & Lakhtaria, K. I. (2011). The impact of the new Web 2.0 technologies in communication, development, and revolutions of societies. Journal of Advances in Information Technology, 2(4), 204-216
  • Domazet, I. S., & Neogradi, S. (2019). Digital Marketing and Service Industry: Digital Marketing in the Banking Industry Managing Diversity, Innovation, and Infrastructure in Digital Business(pp. 20-40): IGI Global.
  • Echchabi, A., Al-Hajri, S., & Tanas, I. N. (2019). Analysis of E-Banking Acceptance in Oman: The Case of Islamic BanksÂ’ Customers. International Journal of Islamic Economics and Finance (IJIEF), 1(2), 145-164
  • Esfahani, M. N. (2019). E-Bank Services: Analyzing the Effect of E-Bank Service on E-Trust with E-Security Approach. European Research Studies Journal, 22(1), 158-166
  • Guerrero, M. M., Egea, J. M. O., & González, M. V. R. (2007). Application of the latent class regression methodology to the analysis of Internet use for banking transactions in the European Union. Journal of Business Research, 60(2), 137-145
  • Haque, A., Ismail, A. Z. H., & Daraz, A. H. (2009). Issues of e-banking transaction: an empirical investigation on Malaysian customers perception. Journal of Applied Sciences, 9(10), 1870-1879.
  • Hernández Ortega, B., Jiménez Martínez, J., & José Martín De Hoyos, M. (2007). Influence of the business technological compatibility on the acceptance of innovations. European Journal of Innovation Management, 10(1), 7-24.
  • Hussain, Z., Das, D., Bhutto, Z. A., Hammad-u-Salam, M., Talpur, F., & Rai, G. (2017). E-Banking Challenges in Pakistan: An Empirical Study. Journal of Computer and Communications, 5(02), 1
  • Kamath, K., Kohli, S., Shenoy, P., Kumar, R., Nayak, R., Kuppuswamy, P., & Ravichandran, N. (2003). Indian banking sector: Challenges and opportunities. Vikalpa, 28(3), 83-100
  • Kazmi, S. S. A., & Hashim, M. (2015). E-Banking in Pakistan: Issues and Challenges. International Journal of Academic Research in Business and Social Sciences, 5(3), 50.
  • Khurana, A. (2019). Digitalization in Banking: Convenience versus Security Threat. Available at SSRN 3358058
  • Koenaite, M., Chuchu, T., & Venter de Villiers, M. (2019). The impact of mobile banking on the adoption of banking products and services in South Africa, using the technology acceptance model.
  • Kolachi, N. A. (2006). Internet banking system of Pakistan| some crucial weaknesses and suggestions for improvement.
  • Kolachi, N. A. (2006). Internet banking system of Pakistan| some crucial weaknesses and suggestions for improvement.
  • Lee, M.-C. (2009). Factors influencing the adoption of internet banking: An integration of TAM and TPB with perceived risk and perceived benefit. Electronic Commerce Research and Applications, 8(3), 130-141.
  • Malaquias, R. F., & Hwang, Y. (2019). Mobile banking use: A comparative study with Brazilian and US participants. International Journal of Information Management, 44, 132-140
  • Namahoot, K. S., & Laohavichien, T. (2018). Assessing the intentions to use internet banking: The role of perceived risk and trust as mediating factors. International Journal of Bank Marketing, 36(2), 256-276
  • Nami, M. R. (2009). E-banking: Issues and challenges. Paper presented at the 2009 10th ACIS International Conference on Software Engineering, Artificial Intelligences, Networking and Parallel/Distributed Computing
  • Nath, R., Schrick, P., & Parzinger, M. (2001). Bankers' perspectives on Internet banking. E-Service, 1(1), 21-36.
  • Nitsure, R. R. (2003). E-banking: Challenges and Opportunities. Economic and Political Weekly, 5377-5381.
  • Nor, K. M., & Pearson, J. M. (2007). The influence of trust on internet banking acceptance. Journal of Internet Banking and Commerce, 12(2), 10
  • Nui Polatoglu, V., & Ekin, S. (2001). An empirical investigation of the Turkish consumersÂ’ acceptance of Internet banking services. International Journal of Bank Marketing, 19(4), 156-165.
  • Ojeniyi, J. A., & Abdulhamid, S. M. (2019). Security Risk Analysis in Online Banking Transactions: Using Diamond Bank as a Case Study. International Journal of Education and Management Engineering, 9(2), 1.
  • Oni, A. A., & Ayo, C. K. (2010). An empirical investigation of the level of users' acceptance of e-banking in Nigeria. Journal of internet banking and commerce, 15(1), 1-13
  • Palas, M. J. U., Uddin, R., & Hassan, M. (2019). Digitising government payments in Bangladesh: a mobile banking approach. Electronic Government, an International Journal, 15(2), 166-188
  • Pikkarainen, T., Pikkarainen, K., Karjaluoto, H., & Pahnila, S. (2004). Consumer acceptance of online banking: an extension of the technology acceptance model. Internet Research, 14(3), 224-235
  • Rahi, S., Ghani, M. A., & Ngah, A. H. (2019). Integration of unified theory of acceptance and use of technology in internet banking adoption setting: Evidence from Pakistan. Technology in Society
  • Ramesh, D., Jaunky, V. C., & Oodit, H. S. (2019). Perception towards adoption and acceptance of e-banking in Mauritius. Vishal C and Oodit, Heemlesh Sigh, Perception Towards Adoption and Acceptance of E-Banking in Mauritius (January 6, 2019)
  • Raza, S. A., & Hanif, N. (2011). Factors affecting internet banking adoption among internal and external customers: a case of Pakistan
  • Rehman, S., Zahid, M., Rahman, H. U., & Habib, M. N. (2019). A Partial Least Squares Approach to the Leadership Styles, Organizational Culture, and Employees' Productivity: A Case of Pakistan Banking Industry. International Journal of Asian Business and Information Management (IJABIM), 10(1), 55-64.
  • Salem, M. Z., Baidoun, S., & Walsh, G. (2019). Factors affecting Palestinian customers' use of online banking services. International Journal of Bank Marketing, 37(2), 426-451
  • Shah, M. (2009). E-Banking Management: Issues, Solutions, and Strategies: Issues, Solutions, and Strategies: IGI Global
  • Shahabi, V., & Faezy Razi, F. (2019). Modeling the effect of electronic banking expansion on profitability using neural networks and system dynamics approach. Qualitative Research in Financial Markets, 11(2), 197-210
  • Sharma, H. (2011). Bankers' perspectives on e-banking. Global journal of Research in Management, 1(1), 71
  • Siyal, A. W., Donghong, D., Umrani, W. A., Siyal, S., & Bhand, S. (2019). Predicting Mobile Banking Acceptance and Loyalty in Chinese Bank Customers. SAGE Open, 9(2), 2158244019844084
  • Sohail, M. S., & Shanmugham, B. (2003). E-banking and customer preferences in Malaysia: An empirical investigation. Information sciences, 150(3-4), 207-217
  • Suh, B., & Han, I. (2002). Effect of trust on customer acceptance of Internet banking. Electronic Commerce Research and Applications, 1(3-4), 247-263
  • Sumra, S. H., Manzoor, M. K., Sumra, H. H., & Abbas, M. (2011). The impact of e-banking on the profitability of banks: A study of Pakistani banks. Journal of Public Administration and Governance, 1(1), 31-38.
  • Tam, C., & Oliveira, T. (2019). Does culture influence m-banking use and individual performance? Information & Management, 56(3), 356-363
  • Van Deventer, M. (2019). Antecedents of Trust in Mobile Banking Amongst Generation Y Students in South Africa. Acta Universitatis Danubius. Ã…Â’conomica, 15(3)
  • Wang, Y.-S., Wang, Y.-M., Lin, H.-H., & Tang, T.-I. (2003). Determinants of user acceptance of Internet banking: an empirical study. International Journal of Service Industry Management, 14(5), 501-519
  • Wiliam, A., Sasmoko, S., & Prabowo, H. (2019). ANALYSISOF E-SERVICE CHATBOT AND SATISFACTION OF BANKING CUSTOMERS IN INDONESIA. Asia Proceedings of Social Sciences, 4(3), 72-75
  • Wu, C.-S., Cheng, F., & Lin, H. (2004). Web site usability evaluation of internet banking in Taiwan.Journal of Internet Banking and Commerce, 9(1), 23-36
  • Yang, J., Whitefield, M., & Boehme, K. (2007). New issues and challenges facing e-banking in rural areas: an empirical study. International Journal of Electronic Finance, 1(3), 336-354
  • Yousafzai, S. Y., Pallister, J. G., & Foxall, G. R. (2003). A proposed model of e-trust for electronic banking. Technovation,23(11), 847-860

Cite this article

APA

    APA : Khan, A. Z., Khan, H. G. A., & Asghar, M. J. e. K. A. (2019). Issues of E-Banking in Pakistan: Managers' Perceptions about E-Banking Issues. Global Regional Review, IV(II), 93-105. https://doi.org/10.31703/grr.2019(IV-II).11

CHICAGO

    CHICAGO : Khan, Abdul Zahid, Hafiz Ghufran Ali Khan, and Muhammad Jam e Kausar Ali Asghar. 2019. "Issues of E-Banking in Pakistan: Managers' Perceptions about E-Banking Issues." Global Regional Review, IV (II): 93-105 doi: 10.31703/grr.2019(IV-II).11

HARVARD

    HARVARD : KHAN, A. Z., KHAN, H. G. A. & ASGHAR, M. J. E. K. A. 2019. Issues of E-Banking in Pakistan: Managers' Perceptions about E-Banking Issues. Global Regional Review, IV, 93-105.

MHRA

    MHRA : Khan, Abdul Zahid, Hafiz Ghufran Ali Khan, and Muhammad Jam e Kausar Ali Asghar. 2019. "Issues of E-Banking in Pakistan: Managers' Perceptions about E-Banking Issues." Global Regional Review, IV: 93-105

MLA

    MLA : Khan, Abdul Zahid, Hafiz Ghufran Ali Khan, and Muhammad Jam e Kausar Ali Asghar. "Issues of E-Banking in Pakistan: Managers' Perceptions about E-Banking Issues." Global Regional Review, IV.II (2019): 93-105 Print.

OXFORD

    OXFORD : Khan, Abdul Zahid, Khan, Hafiz Ghufran Ali, and Asghar, Muhammad Jam e Kausar Ali (2019), "Issues of E-Banking in Pakistan: Managers' Perceptions about E-Banking Issues", Global Regional Review, IV (II), 93-105

TURABIAN

    TURABIAN : Khan, Abdul Zahid, Hafiz Ghufran Ali Khan, and Muhammad Jam e Kausar Ali Asghar. "Issues of E-Banking in Pakistan: Managers' Perceptions about E-Banking Issues." Global Regional Review IV, no. II (2019): 93-105. https://doi.org/10.31703/grr.2019(IV-II).11