Factors Affecting the Adoption of Mobile Banking: Evidence from Sindh

Abstract

Purpose: This report is intended to conduct for the purpose of determining the relationship between the perceived risk, trust and convenience and on the adoption of mobile banking. The objectives of this study were to determine the factors that influence or affecting the people to adoption of mobile banking and what facilities and obstacles that they are facing by using the mobile banking what are the impacts of perceived risk, trust and convenience by adopting the new technology of mobile banking in Larkana, Sindh, Pakistan Design/Methodology/Approach: This research has an explanatory focus. The research utilized a casual survey design and employed a quantitative approach. A total of 102 participants were selected from three universities located in Larkana, Sindh: Sindh University Larkana Campus, QUEST Larkana Campus, and SZABIST Larkana Campus. A standardized questionnaire was used to get the necessary data from the students.  In addition to private data, a set of eighteen closed-ended questions similar to the 5-piont scale were employed. The research tool is explained along with potential results based on the selected questionnaire. Findings: Results concluded that there is significant relationship between predictors and response variables, whereas, the effect of predictor variable of adoption of mobile banking is analyzed through multiple regression which concluded the results that there is weak positive relation of predictor on response variable for adoption of mobile banking in the region. Implications/Originality/Value: The study offers fresh perspectives on the adoption dynamics of mobile banking, particularly in Sindh, Pakistan's interior.