Open AccessDeterminants of Internet Banking Adoption by Banks in Pakistan
Author(s) -
Muhammad Ali Raza,
Muhammad Naveed,
Shaukat Ali
Publication year - 2017
Publication title -
management and organizational studies
Language(s) - English
Resource type - Journals
eISSN - 2330-5509
pISSN - 2330-5495
DOI - 10.5430/mos.v4n4p12
Subject(s) - business , the internet , probit model , probit , panel data , ordered probit , banking industry , logit , logistic regression , affect (linguistics) , market share , financial system , marketing , economics , econometrics , medicine , world wide web , computer science , linguistics , philosophy
Current study has been conducted to determine the factors those affect the internet banking adoption decision of banks in Pakistan. Logit Probit has been used to analyze the Panel data of twenty five banks in Pakistan, covering the financial year of 2006 to 2015. The results showed that six variables deposits, expenses, market share, spread and wages found significant association with internet banking adoption decision but others were found insignificant. Study found that most of the factors have affected the adoption decision of banking industry in Pakistan.