The Impact of Influencing Factors on Adoption of Mobile Banking in Pakistan

The main intention of this research is to further more investigate the impact of Innovation, Risk and Ethics on adoption of mobile banking, as a research gap has been examined in the literature reviewed that the mobile banking adoption behavior of customers regarding these factors has not been discussed before. The targeted population for the research is the mobile user and nonuser, students of the public and private universities. The research is based on primary data for this purpose the questionnaires in 500 quantities were circulated. The correlation and regression analysis was made by using the SPSS software. The results of this research showed that there is insignificant relationship of Ethics with mobile banking adoption while Innovation and Risk have significant relationship with adoption of mobile banking. The regression analysis showed that the model is fit to predict research objectives. Keeping in mind that Ethic has negative impact on mobile banking adoption, the policy makers and managers can use the results of this research to improve economic and financial position of their institutions.