E-BANKING A CASE STUDY OF ASKARI COMMERCIAL BANK PAKISTAN.docVIP

E-BANKING: A CASE STUDY OF ASKARI COMMERCIAL BANK PAKISTAN Muhammad Shakil AHMAD COMSATS Institute of Information Technology Attock, Pakistan Email: onlyshakil@ Shahid RASHID Hamdard Institute of Management Sciences Karachi, Pakistan Email: shahidrashid_1977@ Muhammad Tahir MASOOD COMSATS Institute of Information Technology, Islamabad, Pakistan Email: dr.tahirmasood@.pk Ehtesham UL MUJEEB COMSATS Institute of Information Technology Attock, Pakistan Email: m.ehtesham@ Abstract: This paper has covered the operational issues related to e-banking as well as customer’s perception on usage of e-banking a case study of Askari Bank, Pakistan. 40 staff members and four customers are selected as sample for this study. Both qualitative and quantitative methods are used to present the results. Descriptive statistics is applied to describe the demographic variables while for operational problems correlation was used. Finally cross case analysis present customers’ perception about e-banking practices. Analysis shows that customer is not ready to adopt new technology that why their satisfaction level with e-banking is low. Internet speed and government policies are not supportive for e-banking in Pakistan. Due to lack of trust on technology and low computer literacy rate, customer hesitates to adopt new technology. : In order to promote IT culture in Pakistan, government has to reduce the internet rate. to promote the benefits of e-banking on media so that more user get facilitated from e-banking services. Keywords: E-banking, Internet, ATM, Online transaction, E-readiness, Technology Acceptance Models. Introduction transactions. According to Heikki et al. (2002), the transformation from the traditional banking towards e-banking considered to be the key driver for these has been a ‘leap’ change. The evolution of electronic banking The staggering world rate is and changing tech