Technology Adoption in Pakistani Banking Industry using UTAUT

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M. Mustafa Khan 1,* Waqas Mahmood 1

1. Department of Computer Science Institute of Business Administration, Karachi

* Corresponding author.


Received: 22 May 2021 / Revised: 3 Jul. 2021 / Accepted: 30 Aug. 2021 / Published: 8 Feb. 2022

Index Terms

UTAUT, IT adoption, Technology, Banking, Customer experience


The success of any software product could be measured by its uses and adoption of that technology by the end-users. In this study, we investigate the factors on which bank user intents to adopt internet banking in Pakistan. A survey was conducted on Pakistani banking industry customers using the unified theory of acceptance and use of technology (UTAUT) model which explains the intention of bank users to use the banking systems. The four predictors of UTAUT which were facilitating conditions, social influence, effort expectancy and performance expectancy were significant in predicting the intention of bank users to adopt the banking systems. Finally, we discuss the results, restrictions, implications and future recommendations. The findings of the study may help to provide insights into a better approach to promote e-banking acceptance.

Cite This Paper

M. Mustafa Khan, Waqas Mahmood, "Technology Adoption in Pakistani Banking Industry using UTAUT", International Journal of Information Technology and Computer Science(IJITCS), Vol.14, No.1, pp.32-42, 2022. DOI: 10.5815/ijitcs.2022.01.04


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