ISSN 2167-0439
International Journal of Management and Business Studies ISSN 2167-0439 Vol. 14 (5), pp. 001-007, May, 2025. Available online at www.internationalscholarsjournals.org © International Scholars Journals
Full Length Research Paper
The Role of Electronic Banking in Driving Financial Inclusion in Developing Countries: A Case Study of Pakistan
Rabia Najaf1 and Khakan Najaf1
1Rehman Pura St#03 Hose no p23-a Punjab
Accepted 22 October, 2022
The primary goal of this research is to determine the significance of e-banking in Pakistan. In the banking industry, electronic banking is an important sector. E-banking has brought about a huge change in the Pakistani banking system. Because of its low cost and time savings, electronic banking has a wide reach in developing and underdeveloped countries. E-banking is an internal system that allows the customers to stay in touch with their accounts by using a mobile device, etc. The aim of this study is to focus on the impact of electronic banking in Pakistan. In this era, the life of every person is affected by this technology. Around the world, e-banking is getting popular. There are many countries that are utilizing this technology, like Pakistan. In this study, we focus on the performance of electronic banking. Almost 70% of banks have shifted to internet banking from non-internet banking. The core function of this transfer is its low cost. This paper discusses ICICI, the world's most famous internet bank, and the progress of E banking over the last 20 years. Banks in Pakistan are controlled by the State Bank of Pakistan. It is one of the oldest banks in Pakistan, which was formerly named the Reserve Bank of India before 1947. E-banking is a key driver for changing the world at a staggering rate. It is said to be a truly global phenomenon that has made truncations very easy. In this study, three angles are discussed. 1) Impact of strategic activity 2) impact of strategic activity 3) discuss the influence of perceived risk in information technology. E-banking is the latest technology in this area.
Keywords: Pakistan, E banking, era, ICICI, state bank.