Technology is evolving every new day and has its impact on every thing. In this paper
we will analyze the acceptance of technology in the Banking Industry of Pakisatn. This
research investigates complexities (factors) that have resisted or obstructed the adoption
of Internet Banking in Pakistan. Traditional innovation diffusion model (IDT) is used to
develop the research model indicating the proposed complexities and acceptance of
Internet Banking among Pakistani users. The model is tested with a survey sample
(n=45). Out of the nine complexities identified, six are found significant. The findings of
the research signify that 67 % of the proposed complexities, Familiarity with the
technology, Concerns for Download Speed, Unfriendly Website Design, Fear of
Government tracking transactions, Security and People Gaining Access/Misusing, hinder
the users in accepting and adopting internet banking technology in Pakistan