Factors Affecting the Adoption of Branchless Banking in Pakistan


  • Muhammad Abdullah Idrees Idrees KASB Institute of Technology
  • Ayesha Khan Bahria University


Branchless Banking, Lack of Awareness, Security, Ease of Use, Social Influence, Resistance to Adoption


This research article is based on to identify the Factors Affecting the Adoption of Branchless Banking in Pakistan. This study proposed a contribution referred to as branchless banking through which consumers could overcome the hassle of traditional banking system. The independent variables are lack of awareness, consumer attitude, perceived ease of use, perceived risk, social influence, security, perceived usefulness, resistance to adoption are used in this study. Quantitative research approach is applied for this study. Random probability sampling was done. Result Shows that factors i.e. perceived ease of use, perceives usefulness, customer awareness, lack of awareness, social influences, security, resistance to adoption, consumer attitude has a significance impact on adoption of branchless banking in Pakistan, we have thoroughly studied all the factors & with the help of SPSS have identified the potentials factors which are significantly affecting on the adoption of branchless banking in Pakistan. Current era is an era of digital banking & every organization being a market competitive should be capable enough to adopt & promote branchless banking in the banking segment, factors are already being highlighted which becoming hindrance in adoption of branchless are banking in Pakistan. As technology has massively enhanced the equipped performance of banking industry, branchless banking is a fine example of this. This study’s recommendations & conclusion will be helpful for the banking intellectuals and as they can have the idea about the factors which is directly effecting the adoption of branchless banking in Pakistan.




How to Cite

Idrees, M. A. I., & Khan, A. . (2022). Factors Affecting the Adoption of Branchless Banking in Pakistan. IKSP Journal of Business and Economics, 2(2), 33-43. Retrieved from https://iksp.org/journals/index.php/ijbe/article/view/170