DEVELOPING A TECHNOLOGY ACCEPTANCE MODEL FOR THE MOBILE BANKING ADOPTION IN PAKISTAN

Proposed for presentation at the 2020 Virtual MRS Fall Meeting & Exhibit held November 27 - December 4, 2020. Pub Date : 2020-12-28 DOI:10.51380/gujr-36-02-06

M. Ibrahim, Muhammad Khalil Shahid, Shuja Ahmed Syed

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Abstract

The Technology Acceptance Model (TAM) is a simplistic information system. The improved features of new technology strongly impact the consumer's use of it. The objective of the research was to develop TAM for online banking in Pakistan. This research was the primary research wherein data was collected from five hundred respondents which were students of universities of private and government sector (Islamabad/ Rawalpindi cities) through questionnaires. Correlation and regression tests were conducted via SPSS software; correlation analysis showed that a significant positive relationship exists without ethics among all the factors. In regression analysis value of R2 = 0.621 it indicates that every independent variable has 62% impact on dependent variable, model has capability to predict future results of research. The research result suggested that ethics and ethical values are the main hurdles in adoption of the mobile banking in Pakistan. The research findings will help the business managers and related organizations to reconstruct their business strategies in order to capture and retain the maximum potential customers.

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为巴基斯坦移动银行的采用开发技术接受模型

技术接受模型(TAM)是一个简化的信息系统。新技术的改进特性强烈地影响着消费者对它的使用。该研究的目的是为巴基斯坦的网上银行开发TAM。这项研究是通过问卷调查从500名受访者中收集数据的主要研究，这些受访者是私立和政府部门大学(伊斯兰堡/拉瓦尔品第城市)的学生。采用SPSS软件进行相关和回归检验;相关分析表明，各因素之间存在显著的正相关关系。在回归分析值R2 = 0.621时，表明每个自变量对因变量的影响为62%，模型具有预测未来研究结果的能力。研究结果表明，道德和伦理价值观是巴基斯坦采用移动银行的主要障碍。研究结果将有助于企业管理者和相关组织重建其业务战略，以获取和保留最大的潜在客户。

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Proposed for presentation at the 2020 Virtual MRS Fall Meeting & Exhibit held November 27 - December 4, 2020.

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