Determinants of Internet Banking Adoption by Banks in Pakistan

Abstract

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.