Factors Affecting Bank Customer’s Usage of Electronic Banking


  • Sana Rubab Lecturer, Department of Management Sciences, University of Loralai, Balochistan, Pakistan.
  • Syed Khalil Ahmed Lecturer, Department of Management Sciences, University of Loralai, Balochistan, Pakistan.
  • Muhammad Usman Undergraduate Scholar, Department of Management Sciences, University of Loralai, Balochistan, Pakistan.




Awareness, Perceived Ease of Use, Perceived Usefulness, Perceived Risk, Behavioral Intention, Usage Behavior with E-banking


This study aims to examine above the relationship between E-banking and Usage Behavior with the mediation of Behavioral Intention. To determine factors of E-banking services considering Usage Behavior as dependent variables and Awareness, Perceived Ease of use, Perceived Usefulness and Perceived Risk as independent variable. In this study the aspects of consumer behavior i.e. Behavioral Intention and Usage Behavior have been examined using different factors of E-banking. These factors have been considered to identify that which factors of e-banking are more influential and how they can help in development of customer intention as well as customer behavior to use E-banking services. This study has used survey method to collect data from different banks. For data analysis Structural Equation Model (SEM) was adopted using partial least square via smart PLS4. This software is the most recent and relevant software to access data. The tests were applied through PLS for the evaluation of measure model and for the assessment of structural model. Assessment of measure model shows the positive results for reliability and validity and the results of structural model shows that the hypothesis generated for this study has been accepted.


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How to Cite

Rubab, S., Ahmed, S. K., & Usman, M. (2023). Factors Affecting Bank Customer’s Usage of Electronic Banking. Qlantic Journal of Social Sciences, 4(1), 7-18. https://doi.org/10.55737/qjss.987531539

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