Search or add a thesis

Advanced Search (Beta)
Home > Adoption Behavior of Mobile Banking Services: An Empirical Appraisal of Pakistani Consumer

Adoption Behavior of Mobile Banking Services: An Empirical Appraisal of Pakistani Consumer

Thesis Info

Access Option

External Link

Author

Awais Iqbal

Institute

Virtual University of Pakistan

Institute Type

Public

City

Lahore

Province

Punjab

Country

Pakistan

Thesis Completing Year

2016

Thesis Completion Status

Completed

Subject

Software Engineering

Language

English

Link

http://vspace.vu.edu.pk/detail.aspx?id=75

Added

2021-02-17 19:49:13

Modified

2024-03-24 20:25:49

ARI ID

1676720959675

Asian Research Index Whatsapp Chanel
Asian Research Index Whatsapp Chanel

Join our Whatsapp Channel to get regular updates.

Similar


To increase customers banking experience by providing convenience and satisfaction, financial service providers are now launching banking services through a mobile phone. This service is called as mobile banking. This study aims to identify and test the inhibitors and motivators for consumer acceptance of mobile banking and to what degree, factors proposed in the literature influence consumer?s decision making process of adopting mobile banking. Scope of this study includes induction of a new theoretical model, created by blend of two significant models from literature. Hypotheses are formulated with the help of constructing a new research framework where six factors, i.e., Perceived usefulness (PU), Perceived ease of use (PEOU), Perceived relative advantage (PRA), Perceived Risk (PR), Perceived Compatibility (PCOM), Cost (COS) were influencing the customer?s attitude towards mobile banking and attitude towards mobile banking was directly influencing the customer?s intention to use mobile banking. Moreover, Perceived ease of use (PEOU) has a positive significant effect on perceived usefulness (PU). To examine each relationship, several measurement instruments are borrowed from previous studies. Survey data from five cities in Pakistan (n=250) are used to test the hypothesis with Regression method. The findings from this study asserted that perceived usefulness (PU), Perceived ease of use (PEOU), Perceived relative advantage (PRA), Perceived Compatibility (PCOM) are the motivators and Perceived Risk (PR) and Cost (COS) are the inhibitors for mobile banking. However, due to time and financial constraints quality of the findings of the analyzed data is limited, which consequently, restricts the generalizability of the findings. This study is among the few studies until the date to identify and test the inhibitors and motivators for consumer acceptance of mobile banking and to what degree, factors proposed in the literature influence consumer?s decision-making process of adopting mobile banking In the Pakistan. Development of the attitudinal model which can be utilized in predicting customer?s intention to use mobile banking is a major theoretical contribution of this study. Corporations can also make use of the model to support professionals, which what aspects of mobile banking should be improved or should be given more importance according to the findings from this study.
Loading...
Loading...

Similar Books

Loading...

Similar Chapters

Loading...

Similar News

Loading...

Similar Articles

Loading...

Similar Article Headings

Loading...

پروفیسر خورشید الاسلام

پروفیسر خورشید الاسلام
پروفیسر خورشید الاسلام ۱۸؍ جون کو علی گڑھ کی خاک کا پیوند ہوگئے، اناﷲ وانا الیہ راجعون۔
وہ جولائی ۱۹۱۹؁ء میں مراد آباد اور بجنور کی سرحد پر واقع ایک گاؤں امری میں پیدا ہوئے، یہ اور مشہور شاعر اختر الایمان گہرے دوست تھے اور فتح پوری ہائی اسکول میں ساتھ ہی پڑھتے تھے اور دونوں اسکول کے مشہور ڈبیٹر اور بہترین مقرر تھے، بی اے کرنے کے بعد خورشید الاسلام صاحب کچھ عرصے رسالہ ’’آج کل‘‘ کے سب اڈیٹر رہے اور ۱۹۴۳؁ء میں ایم اے کرنے کے لیے علی گڑھ مسلم یونیورسٹی آئے، یہاں پھر اختر الایمان کا ساتھ ہوا اور دونوں ۱۹۴۴؁ء میں یونیورسٹی کی نمائندگی کے لیے حیدر آباد گئے اور ہفت روزہ اردو کانگریس میں شریک ہوئے، خورشید الاسلام صاحب ۱۹۴۵؁ء میں ایم اے کرنے کے بعد علی گڑھ یونیورسٹی کے شعبہ اردو میں لکچرر ہوگئے اور ۱۹۷۳؁ء میں پروفیسر ہوئے،اور جب پروفیسر آل احمد سرور سبکدوش ہوئے تو یہ صدر شعبہ ہوئے۔
مضمون نگاری شروع کی تو مولانا شبلی پر ہاتھ صاف کیا، مولانا پر ان کا یہ مضمون ان کی کتاب ’’تنقیدیں‘‘ میں شامل ہے، اس کا آغاز اس طرح کیا ہے ’’شبلی پہلے یونانی تھے جو مسلمانوں میں پیدا ہوئے‘‘ بعض لوگوں کا خیال ہے کہ یہ مضمون ان کی علمی شہرت کا باعث بنا اور مولانا ابوالکام آزاد نے اس کو بہت پسند کیا، ان کی سفارش پر خورشید صاحب کو لندن یونیورسٹی میں ملازمت مل گئی مگر راقم نے سنا ہے کہ مولانا نے ان کے نام ہی کو غلط قرار دیا کہ اس میں مضاف و مضاف الیہ دولسانی ہیں۔
بہرحال وہ لندن یونیورسٹی میں تدریسی خدمت پر مامور رہے اور آکسفورڈ یونیورسٹی سے شائع ہونے والی اردو انگریزی لغت کے اڈیٹر بھی مقرر ہوئے، انہوں نے یونیسکو پروجیکٹ کے تحت ’’غالبؔ۔ حیات اور...

تنبيهات الحافظ ابن حجر في فتح الباري على الإمام الكرماني في الکواکب الدراري في الإتصال والإنقطاع: دراسة نقدية مقارنة

Sahih al-Bukhari a collection of ahadith of Mohammad (PUUH) compiled by Imam Abu Abdullah Muhammad al-Bukhari, has been given great importance by the Muslim scholars of past and present time. Many detailed commentaries on this collection have been written So the number of methods have been increased during the commentary of this book. Some of them explained it in detail, and some concerned with a particular aspect. “Al Kawakib Ad Durari” by Imam Alkirmani is an old explanation of Sahih Bukhari. Many commentators came after Imam Alkirmani consulted his book, and quoted his statements in their books; sometimes agreeing, and at other times contravention. Imam Alkirmani was among those scholars who were expert in many fields at a time like know-ledge about hadith, its narrators, commentary, qiraat, Quranic science, Islamic Jurisprudence, Arabic language, Faith, medicine, history, geography, astronomy etc. During studying “Fath al Bari”I found that Alhafiz Ibne Hajar criticized on the commentary of Alkirmani at many times in relating to the continuation and discount-inuation of traditions. In this article I studied these comments of Alhafiz Ibne Hajar on Imam Alkirmani a critical comparison. After research I have found that Alhafiz Ibne Hajar has consulted “Al Kawakib Ad Durari” and quoted Imam Alkirmani’s commentary and added it. This article approves that the opinion of Alhafiz Ibne Hajar is more reliable than Imam Alkirmani.

Morphological and Functional Characteristics of the Testis of One-Humped Camel Camelus Dromedarius in the Natural Ecology of Punjab, Pakistan

Present study was conducted during four seasons of the year, 2008 namely winter (December to February), spring (March to April), summer (May to September) and autumn (October to November). The study was divided into two phases; in first phase a questionnaire survey was conducted on traditional management system of camels and climatic data was collected from three ecological zones under study (Faisalabad, Bhakkar and Attock). In second phase, total 24 mature healthy male camels were used for recording seasonal and ecological changes in the behavior, ultrasonographic structure and biometry of testis and serum biochemistry (steroid hormones and some minerals) at all the zones. Biopsy sampling was done from the camels kept at Faisalabad zone (n=12; 6 in each breeding and non-breeding season) for ultastructural investigations, and slaughterhouse sampling (n=24; 6 sample in each season of the year) was done for morphometrical studies. The period of sexual activity started earlier in November and extended more even up to April at Attk as compared to other zones. Male camels used for breeding even up to 20 years of age at Attk zone. Duration of copulation was up to even 35 min at Attk zone, so it can be derived that the males of Attk zone are more efficient in reproduction as compared to FSD and Bkkr. The degree of most of rutting behavioral signs varies among different seasons and climate of the location. Some behavioral signs were observed as more extensive at Attk and then Bkkr zone as compared to the FSD, in the autumn (October, November) and spring seasons of the year, which revealed that the rutting season started earlier at these locations (Attk and Bkkr) and extended even up to the start of the summer at Attk zone. Biometric studies showed significantly (P<0.01) higher scrotal length and width of the testis during winter and spring season as compared to summer and autumn. Ultrasonographic imaging showed, the parenchyma of the testis as homogenous and moderate echogenic, the testicular capsule was appeared as thick hyper-echoic structure and tunics were identified as hyperechoic lines in both longitudinal and transverse planes, covering the parenchyma. A thin intratunical anechoic linear area was identified, because of fluid between the connective tissue coverings. Mediastinum was visualized as hyperechoic central line in the longitudinal section and a central hyperechoic circular area in transverse plane of the testis. Season had a prominent noticeable effect on the ultrasonic picture of the testis and epididymis at all the experimental zones. Serum testosterone was higher (P<0.01) during the winter season atChapter 2: Review of literature 30 all ecological zones under study, it started decreasing during spring and reached baseline during summer, maintained almost same during autumn at FSD zone however increased again in autumn at Attk and Bkkr zones. This increased level in autumn season was more at Attk as compared to Bkkr zone. Serum estradiol 17- β was higher (P<0.01) during the cooler months including January, February at all the ecological zones, it started declining in the month of March, April and May, little increased level was observed in the month of June but again sloped down in July and remained on baseline in the months of August, September, October and November. Serum concentrations of calcium, iron, sodium and chloride were higher (P<0.01) during the winter and spring as compared to other seasons of the year, while vice versa was true for the serum potassium, as it was recorded as significantly higher during the summer season. Serum testosterone, estradiol, calcium, iron, sodium and chloride were negatively correlated with the average environmental temperature and rainfall while positively correlated with the relative humidity and vice versa for serum potassium levels with some regional variations among different zones. Morphometrical studies showed that the volume, weight of the testis, average diameter of Sertoli cells, volume of intertubular compartment, relative volume of Leydig cells (VLc %), total volume of Leydig cells (TVLc × 10 12 μm 3 ), numbers of Leydig cells ×10 9 per testis and % intertubular tissue in the parenchyma of testis, were significantly (P<0.01) higher during the winter and spring seasons as compared to summer and autumn. However, % area occupied by the seminiferous tubules, % seminiferous tubule / interstitium, and the volume occupied by the seminiferous tubules and diameter of seminiferous tubules were recorded as significantly (P<0.01) higher during summer and autumn as compared to winter and spring seasons. Ultrastructural studies showed highly active Leydig and Sertoli cells during breeding season of camels (cytoplasm was having abundant and developed smooth endoplasmic reticulum (SER), more oval to elongate mitochondria and few fat droplets) and vice versa during the non-breeding season.