Adoption of Internet Banking in Balochistan

Introduction

In the banking sector, the Internet has triggered an IT-based revolution that has dramatically changed the way banking services are delivered. This innovation, known as Internet banking (IB), has helped busy people to perform their financial activities cost-effectively and efficiently, irrespective of their physical location, at any moment of the day. (Makris et al., 2009).

In general and professional life, technological developments are of vital importance. This is the revolutionary era of technology. The rapid growth of IT has embedded billions of people in their lives.

In order to fulfill the communication challenges generated by globalization, every type of business reshapes itself and sets its basis on technical grounds. The Internet is the largest tool to help implement this change. Internet has made a significant contribution in the life style of the people living on earth in today’s world. Science’s this wonderful creation has brought a lot of change to people’s lives, now they can get anything they want by sitting at home.

All they want is a single click away.

In recent years, the banking industry has witnessed many technological changes; because of these changes banks has took the shape of technologically dependent industry from being manually intensive. Replacements to conventional branch banking attracted growing attention as internet usage began to spread across markets. Banks began using the internet to provide their customers with new services.

According to the banks, practicing Internet banking can cause cost reductions and competitiveness improvements. This service delivery network is considered effective as it can retain current Web-based customers from any area who continue to use banking services.

In addition, Internet banking offers opportunity for banks to improve its market by attracting new customers from current internet users. (Suganthi et al., 2001; Dannenberg and Kellner, 1998; Zineldin, 1995)

Internet banking in Pakistan has undergone many changes in line with global trends. Internet banking is a process through which a customer can conduct transactions without visiting the bank itself.

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