Determining the Effect of Innovations for Mobile Banking Adoption in Pakistan

Mobile banking is the source of checking the daily banking affairs at anywhere, where the internet service is available. The main objective of this research was to check the impact of innovations on adoption of mobile banking in Pakistan. The research was based on primary data, which was collected from 500 students of all the public and private universities of Pothohar region (Islamabad/Rawalpindu) by means of a questionnaire. Random Sampling Technique was used and through SPSS the correlation analysis and regression analysis were calculated. The correlation analysis results showed that there is positive significant relationship between Innovations, with adoption of mobile banking in Pakistan. The regression analysis showed that the value of R square = 0.621, which means that the independent variable Innovation has 62%  effect on dependent variable  Mobile Banking Adoption. This research will helpful for banking sector and other related commercial organizations. Keywords: Innovations, Telecom Sector, Mobile banking, Pakistani Environment

Impact of Risk and Ethics on Adoption of Mobile Banking in Pakistan

Mobile banking is information based one of the newly introduced digital banking services in Pakistan. The objective of this research was to analyze the impact of risk and ethics on consumer behavior towards adoption of mobile banking in Pakistan. This research was totally based on primary data, which was collected during the field survey through questionnaire from 500 students of private and public universities of Pothohar region (District Islamabad/Rawalpindi). The correlation and regression analysis was calculated by using SPSS software. The correlation results showed that there is insignificant relationship with Ethic, and significant relationship was found with Risk. The regression results showed thatR square = 0.621, which stated that the independent variables (Risk and ethis) have 62%  effect on dependent variable Mobile banking adoption and the model can predict the research results. So, ethic is main hurdle for mobile banking adoption. The findings are helpful for managers to reorganize their business plans to capture maximum latentbusinesses. Keywords: Telecom sector, Mobile banking Adoption, Risk, Ethics