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In this research paper we investigated the determinants likely to influence the adoption of mobile banking services, with a special focus on under banked/unbanked low-income population of Pakistan. The adoption of mobile banking services has been a strategic goal, both for banks and telcos. For this purpose, Technology Acceptance Model (TAM) was used, with additional determinants of perceived risk and social influence. Data was collected by surveying 372 respondents from the two largest cities (Karachi and Hyderabad) of the province Sindh, in Pakistan using judgement sampling method. This study empirically concluded that consumers’ intention to adopt mobile banking services was significantly influenced by social influence, perceived risk, perceived usefulness, and perceived ease of use. The most significant positive impact was of social influence on consumers’ intention to adopt mobile banking services. The paper concluded with discussion on results, and several business implications for the banking industry of Pakistan.

This paper investigated the influence of factors on the intention to adopt Internet banking services among students of higher education in Pakistan. Theoretical framework used for this study has been adopted from Technology Acceptance Model (TAM) with four independent variables. Convenience sampling method was used with a total of valid 220 respondents, which included students of Khadim Ali Shah Bukhari Institute of Technology (KASBIT), Karachi, Pakistan. Data was collected through self administered questionnaire of two parts: Demographic and Likert scale multi-item scale for variables under study. Results indicatedthat convenience, perceived credibility, and perceived usefulness had significant positive influence among students on the intention to adopt Internet banking. The findings from this research would be useful for banks in the subject area, particularly for students in Pakistan.


 
 
 This study aims to investigate the impact of determinants of shift work on job satisfaction in service sector organizations of Pakistan. History reveals that the invention of Thomas Edison brought the change in working environment and industrial revolution results in the birth of shift works. A great number of theories in Management are there to define Job satisfaction. All of them show the relationship between ability to perform and the productivity. In order to investigate their impact descriptive study is taken in to account in which survey research method is used to collect data. On the basis of quantitative analysis this study reveals that determinants of shift work has positive impact on job satisfaction. Finally recommendations are made to increase shift work in service sector organizations of Pakistan so that people may upraise their standards of living.
 
 


 
 
 This study aims to investigate the impact of determinants of shift work on job satisfaction in service sector organizations of Pakistan. History reveals that the invention of Thomas Edison brought the change in working environment and industrial revolution results in the birth of shift works. A great number of theories in Management are there to define Job satisfaction. All of them show the relationship between ability to perform and the productivity. In order to investigate their impact descriptive study is taken in to account in which survey research method is used to collect data. On the basis of quantitative analysis this study reveals that determinants of shift work has positive impact on job satisfaction. Finally recommendations are made to increase shift work in service sector organizations of Pakistan so that people may upraise their standards of living.
 
 

In this research paper we investigated the determinants likely to influence the adoption of mobile banking services, with a special focus on under banked/unbanked low-income population of Pakistan. The adoption of mobile banking services has been a strategic goal, both for banks and telcos. For this purpose, Technology Acceptance Model (TAM) was used, with additional determinants of perceived risk and social influence. Data was collected by surveying 372 respondents from the two largest cities (Karachi and Hyderabad) of the province Sindh, in Pakistan using judgement sampling method. This study empirically concluded that consumers’ intention to adopt mobile banking services was significantly influenced by social influence, perceived risk, perceived usefulness, and perceived ease of use. The most significant positive impact was of social influence on consumers’ intention to adopt mobile banking services. The paper concluded with discussion on results, and several business implications for the banking industry of Pakistan.

This paper investigated the influence of factors on the intention to adopt Internet banking services among students of higher education in Pakistan. Theoretical framework used for this study has been adopted from Technology Acceptance Model (TAM) with four independent variables. Convenience sampling method was used with a total of valid 220 respondents, which included students of Khadim Ali Shah Bukhari Institute of Technology (KASBIT), Karachi, Pakistan. Data was collected through self administered questionnaire of two parts: Demographic and Likert scale multi-item scale for variables under study. Results indicatedthat convenience, perceived credibility, and perceived usefulness had significant positive influence among students on the intention to adopt Internet banking. The findings from this research would be useful for banks in the subject area, particularly for students in Pakistan.