Challenges and Adaptive Response of E-Banking Reality in Ghazi City: District Haripur KPK of Pakistan

Abstract

The E-Banking, has been taking the role of traditional banking, is making clients easier to access online services at home and work place, save their time and money as well. Increasing technological uses in banks compel banking customers toward adoptions of E-Banking system. The term "e-banking" refers to a modern banking system in which banks offer their clients quick, nationwide, and international financial services via computer or electronic and internet services around-the-clock. Computers, internet, ATMs, and other electronic channels used to offer new and conventional products to customers electronically for instance electronic banking. Use of online banking becomes a main problem of modern era. The main purpose of this study is to highlight the factors effecting the E-Banking adoption in tehsil Ghazi, District Haripur, KPK Pakistan. There are following factors: trust, security concern, awareness, internet connection, skill of new technology, cost are being check in this study. Data is collected from the questionnaires. A total random sample size of 150 respondents was selected for this study, consisting of 76 males and 74 females. In this study firstly, descriptive analysis was conducted to summarize key findings and provide insights into the distribution of responses across different variables, Secondly, ordinal logistic regression is being regressed one by one to check the causal relationship of dependent variable with independent variables. Overall, the study highlights the importance of enhancing trust, security, and technical skills to promote e-banking adoption in Ghazi City, while also addressing cost-related concerns to make e-banking more accessible and attractive to users.