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ISSN: 2162-6359

International Journal of Economics & Management Sciences
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Research Article

Factors that Influence the Adoption of Online Banking Services in Hyderabad

Maitlo GM1, Kazi ZH2, Khaskheley A3 and Faiz M Shaikh4*

1Dean Faculty of Commerce & Business Administration, Shah Abdul latif University, Khairpur, Pakistan

2Assistant Professor, IBA-University of Sindh-Jamshoro, Pakistan

3Assistant Professor, Department of Economics, University of Sindh-Jamshoro, Pakistan

4Assistant Professor, SZABAC-Dokri-Larkana-Sindh, Pakistan

*Corresponding Author:
Faiz M. Shaikh
Assistant Professor
SZABAC-Dokri-Larkana-Sindh, Pakistan
Tel: 071-4002057
E-mail: [email protected]

Received date: December 02, 2014; Accepted date: December 17, 2014; Published date: December 27, 2014

Citation: Maitlo GM, Kazi ZH, Khaskheley A, Shaikh FM (2014) Factors that Influence the Adoption of Online Banking Services in Hyderabad. Int J Econ Manag Sci 4:216. doi: 10.4172/2162-6359.1000216

Copyright: © 2014 Maitlo GM, et al. This is an open-access article distributed under the terms of the Creative Commons Attribution License, which permits unrestricted use, distribution, and reproduction in any medium, provided the original author and source are credited.


The purpose of this research paper is to determine those factors that influence the adoption of online banking services in Hyderabad. A theoretical model is provided that conceptualizes and links different factors influencing the adoption of online banking in Hyderabad. A total of 302 respondents in Hyderabad were sampled for responding. Factor analyses and regression technique are employed to study the relationship. The results of the model tested clearly that use of online banking is influenced by channel convenience, perceived risk, security perception, prior internet knowledge and information on online banking. The results also determine that demographic factors also impact significantly on online banking. Finally, this paper suggests that an understanding the factors affecting intention to use internet banking is very important to the practitioners who plan and promote new forms of banking in the current competitive market


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