Enhancing E-Banking Adoption in Pakistan: The Role of Privacy, Trust, and the Technology Acceptance Model

Authors

  • Rehana Balochistan University of Information Technology, Engineering and Management Sciences (BUITEMS), Quetta
  • Bilal Sarwar Balochistan University of Information Technology, Engineering and Management Sciences, Quetta.
  • Abdul Sattar Balochistan University of Information Technology, Engineering and Management Sciences (BUITEMS), Quetta

Abstract

This study explores how privacy, trust, and Technology Acceptance Model (TAM) factors influence e-banking adoption in Pakistan. A survey of 189 active e-banking users was analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results indicate that privacy, perceived ease of use, and perceived usefulness significantly impact adoption and behavioral intention. However, security perception had no significant impact on adoption. The findings suggest that financial institutions should prioritize user-friendly interfaces, transparent data policies, and robust cybersecurity measures to foster trust and enhance e-banking adoption.

      Keywords: E-banking, security perception, privacy, trust, behavioral     intention, Technology Acceptance Model

Author Biographies

Rehana, Balochistan University of Information Technology, Engineering and Management Sciences (BUITEMS), Quetta

MS Scholar, Department of Management Sciences

Abdul Sattar, Balochistan University of Information Technology, Engineering and Management Sciences (BUITEMS), Quetta

Assistant Professor, Department of Management Sciences

Additional Files

Published

2025-05-06

Issue

Vol. 19 No. 2 (2025): Journal of Managerial Sciences April-June 2025

Section

Articles

License

Creative Commons License

This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.