consumer preferences and consumer awareness about online banking

Upload: ahmer-jawed

Post on 06-Apr-2018

214 views

Category:

Documents


0 download

TRANSCRIPT

  • 8/3/2019 Consumer Preferences and Consumer Awareness About Online Banking

    1/10

    $!##$$#$$

    &%

    @D-@-, ,J

    D-, 9@9@

    D9I,D,

  • 8/3/2019 Consumer Preferences and Consumer Awareness About Online Banking

    2/10

  • 8/3/2019 Consumer Preferences and Consumer Awareness About Online Banking

    3/10

    3974/:.943

    %8 .,5907 98 90 945.8 41 .438:207 57010703.08 ,3/ .438:207,,703088 ,-4:9 4330 -,33 574-02 89,902039 4-0.9;0 7080,7. 6:08943 :891.,943419089:/1440/-8.450,3/29,943419089:/,3/03/8990

    /8548943419089:/

    ,.74:3/31472,943,3/422:3.,94390.344805394 70/:.09097,38,.943.4894190 -:83088 1728 -574;/3.,7/8 ,3/ -:83088 807;.08,33 80.947 8;07/0,147908:..0881:/0;04520394100.9743..42207.00.9743.-,334:/05 13,3., 3899:9438 94 407 .489 . 8 ;07 .7:., 147 90 43 90728:7;;,4190-,389,8-003050.90/9,99480-,384,70349708543/394300/00.9743.-,334:/2470 0480907.:8942078 3,3.,3899:9438,703414.:834330/0;07.,33083.:/0;79:,5:-.,3/57;,90

    309478/,:5.4330.9438507843,.425:9078,3/%8%00-89084113,3.,3899:9438 5,8 , ;9, 740 3 00.9743. -,33 ,3/ 9 84:/ /0;07 8:11.03931472,94394.:8942079043,14790.:8942073907,.943894574;/0,33907,.9;0 0-890 ":,9 41 807;.08 ,3/ .4390392039 70,9 31:03.0 807;.0803.4:3907,3/9070834830507843.439,.9384,90/807;.0.574;/0824709,3430455479:39089417200.9743.-,33574;/08,70/:.0/,24:3941920,8.425,70/ 9 97,/943, -,33 -:9 3 47/07 94 09 -030198 1742 9080 807;.0870,/308841.438:207894,2,3/,..0593090.344082:89-088:0-0.,:80.438:2078/02,3/82:.2470174213,3.,3899:943847//00.4342.80.9478,7039038070,39439090.344084;073203954.,3/411.,,:9470/17,20478.7:390-:83088;07011.039,3/97,385,703998;07/11.:9 147 90 13,3.,3899:943894897:00.059 90.:8942078,70,700/:543.079,3807;.08.,70435488-0990.,77,3020398!74-02$9,902039%0 574-02 89,902039 ,8 -003 859 3 94 80.9438 43 90 -,88 43 94 /893.9.43.0730/1,.947804507,943,574-02,3/,.,/02.574-02507,943,574-02/08.7-08 90 574-028 41 88902 ,3/ ,.,/02. 574-02 /08.7-08 90 :8078 03/574-028507,943,!74-028%070,704330-7,3.08,70574;/370,9204330-,331,.9949013,3.,.70/94/0783!,89,3,8.425,70/94-7,3.0841-,38.20,389,943-7,3.08,704734330340;0798574.0888;0784/:09480;07,1,.94784-0,338,70,/3974/:.0/.,889,790/3-:998290/9470970;0389,9020398..47/3948:7;0,8.43/:.90/3!08,,7,7/,3,3/,3.,70

  • 8/3/2019 Consumer Preferences and Consumer Awareness About Online Banking

    4/10

    90.90841479089743907!74;3.0.89,9089,943348,-4:9%04190949,545:,94341479089743907!74;3.0.3.:/050450,;3 907 ,..4:39 3 90 -,38 /439 34 ,9 8 % ,70 ,,70 414330-,331,.90,703491,2,73.:89420780701,2,794:8090/0-9,3/.70/9.,7/81,.90.:8942078070349,,7041/0-9,3/.70/9

    .,7/83907309:8078,703.70,83/,-/,.70,.0/24331742 243 3 9 .908 .4330.90/ 94 3907309!,89,3%00.422:3.,943 :9479 !07843, .425:907 ,..088 8 ;0725479,391474330-,33!07843,.425:907503097,943,3/00.9743.-:830888/70.930/940,.49079890248925479,397010.943147/0;0453.4:397080!,89,33472,507843,.425:9072,.489!#.80,;07,08,,74194243981479095.,3907309.:89420740;079070,7080;07,490788:08 0 3,/06:,90 317,897:.9:70 $419,70 ,3/ ,7/,70.422:3.,943317,897:.9:70.,70902,474-89,.0814700.9743.-:83088.9,00,78147903472,507843949,0,/;,39,017424330-,33,720030489419050450,70.4330.90/974:9005430308.8,34907,850.941

    317,897:.9:708 -0.,:80-74,/-,3/ .4330.9438 ,70 ;07 05,38;0 ,3/ ,3,;07,0 507843 .,3349 ,1147/ 9 !,89,3%00.422:3.,943 425,3 8574;/33907309.4330.9438,3/9005430807;.08.43974.708:90/3.48995447807;.0.70897,390:8,0419039073093!,89,3%070,84389,9 !,89,3 %00.422:3.,943 425,3 8 90 ,7089 .425,3 7:3 - 904;073203941!,89,3.574;/0890-,.-430147,90900.422:3.,943807;.0 574;/078 . ,8 90 ,7089 .45507 317 ,897:.9:70 8570,/ , 4;07 90!,89,399024341389,0/30814790:8078438:2078,705,3.,87,907 9,3 :83 /0-9 47 .70/9 .,7/8 ,.3 41 ,-9 94 5071472 243097,38,.9438974:/0-947.70/9.,7/8843041904-89,.083!,89,3.,8708:90/34079000.9743.-:8308897,38,.9438,47.43.07384100.9743.97,38,.9438,709088:084180.:79,3/57;,.390/0;0450/.4:39707,3.0 4:9 41 5:7.,808 4330,3/ 90702,33 ,70 70:.9,39 94 :804330807;.08 ,3/ 90 70,843 8 80.:79 ,3/ 57;,.. 8 902,47970,989450714724330-:83088983494390/:9413/:897-:9,8490/:941 4;0732039 ,88:7350450 945071472 80.:70 00.9743. 97,38,.9438 ,3/4;073203941!,89,3,89,0380;07,8905894:,7,390080.:79,3/-:/801,88:7,3.0 41 90 4330 .422:39 - ,334:3.3 % ,3/ /9,83,9:708-:99889380.:7094,997,.990504501474330-:83088-:9-08/0808,9437:0890248925479,399380/:.,943.,/02.!74-0283 90 290/7084:7.08 89!,89,3,8847941 6:,9 0/:.,9436:,10/ 1,.:9202-078 05038;007 0/:.,94388902 4;07320390/:.,94380.947 ,;325745077084:7.08,3/57;,9080.947,;3100897:.9:70,3/349939070,.41 0;07 507843 $4 % 0/:.,943, 574-028 ,70 89 5,3 ,3 25479,39 740 32502039300.9743.-,3303;74320393!,89,331472,943 %0.344 .,3 5, 98 740 3 2,3,3 ,3/ 574.0883 90 /,9, %2502039,943.,3-0:80/942,0:5,90/01.03.08,3/940,/90.4:397390

  • 8/3/2019 Consumer Preferences and Consumer Awareness About Online Banking

    5/10

    79,,3/14798300/:.,943,7014728,70;0725479,39849,9300307,943.42094344 94:809890.344,3/849706:70890897430,/0785,3/44/4;073,3.09,9-00;09,9%8,33;0892039349,3050380%0,.4197,30/574108843,830/:.,943,3899:908,3/54470/:.,943,317,897:.9:708,325479,3970,843414907,.7,90

    -0.9;04190$9:/742 90 .:8942078 5439 41 ;0 00.9743. -,33 8 574;/3 .43;03039 ,3/;,:,-084:7.094/0,91:3/3-0.,:809574;/08.43;0303.094,..088,..4:39 47 -:83088 .438:207 00.9743. -,33 8 574;/3 70130/ 24302,3,02039990054100.9743.-,33.;08,9031472,9439380.43/80.9743. -,33 8,;,,-0 38420 -,308420 41 90 -,38 ,701:3.943394574;/000.9743.-,3384:94389, .0791.,908,..088-9,3/80.:79.43.0738,70250/20391479089,79415740.98,3/390710734190549.,5,7908325479,395,384190-,3942,0/0.843842207.05,8,;9,74094

    -4489 90 0.4342 41 90 .4:397 ,3/ 9070 8 , 0;0 41 78 3;4;0/ 3 983/:897 3 2,3 3/:89708 8:. ,8 -,33 ,3/ 900.422:3.,9438 9 8 ;79:,25488-0147,347,3,94394.425090:308898.:8942078,70;03900;041807;.09,98435488-0990.344889028,70308831472,943.:89420757490.9437085438092070,-980.:7990.34470,/3088 , ,70 .438/070/94 -0 ,3 25479,39 0020398 14700.9743. -,33 4,/,8 0254008 ,70 1,.3 , 49 41 574-028 01,.9,9390.:8942078147/4397,38,.943800.9743.,%0-,38,;0,554390/ .:894207 70,943 411.078 147 574;/3 84:9438 41 574-028 -:9.:8942078,708970:.9,3994/44330-,3397,38,.9438%0 7080,7. ,28 94 /0391 4;0732039, 3/;/:, ,3/ 13,3., 3899:9438507850.9;0 41 9000.9743. -,33 342207., -,3841 !,89,3,3/ 4 94574;/0 9 .:8942078 034: 340/0 84 9,9 90 .,3 89,79 :83 00.9743.-,3397,38,.9438%0 4-0.9;0 41 90 89:/ 8 94 13/ 4:9 .:894207 8 70:.9,39 94:80 00.9743.-,331,.9,3/94;08,380794906:08943#080,7.5574,.%0#080,7.5574,.8.,8810/39494950841#080,7.2094/8%080,70":,9,9;0 7080,7. ,3/ ":,399,9;0 7080,7. 2094/ %070 8 , 70,843,-0/110703.0-090039080947080,7.5574,.08":,9,9;0#080,7.%06:,9,9;07080,7.2094/8070/0;0450/39084.,8.03.089403,-07080,7.078 94 89:/ 3,9:7, 5034203, ":,9,9;0 89:/08 ,70 2489.43.0730/9.,8089:/08,3/904-0.9;08944-9,388902,9.806:03.04131472,943940939490/059417080,7.574-028

  • 8/3/2019 Consumer Preferences and Consumer Awareness About Online Banking

    6/10

    ":,399,9;0#080,7.%06:,399,9;07080,7.2094/8070:80/943;089,90,3//0;0453903,9:7,8.03.08,3///9089:/413,9:7,5034203,%00,250416:,399,9;07080,7.2094/8,708:7;0,3/050720398,-47,947050720398,3/1472,2094/8

    %4;,/,904:7708:986:,9,9;0,3/6:,399,9;07080,7.84:7.4.094.,774:990 7080,7. 070 90 ,2 8 94 09 88902,9. :3/0789,3/3 41 90 7080,7.6:089439070,843-03/41:83-497080,7.2094/889,90,704394.43/:.9900543.3907;081742-,30254008,3/;09026:089433,70941789089:/9,9,9,70901,.9478 9,93/078 9000.9743.-,33974:4:990.4:397,3/903014.:843902,47 88:08090.344 97:8980.:79 ,3/ 57;,. 147 84 4:7 2094/ -0 -,80/ :543 /0/:.9;0,5574,.94.43/:.90257.,5,79419089:/43.:8438-02,/0,190790,3,88410257.,/,9,,3/30340/0-0.70,90/-574;/30;/03.0174290 0893 904708 . 8 903 :80/ 94 /4 90 0257., 89:/ ,3/ 9:8 /7,8.43.:843-,80/430307,573.50894850.1.

    ,9,40.943%070,708/110703984:7.0894.40.9906:,9,9;0/,9,14790.,8089:/4.:2037.;,70.47/83907;0870.94-807;,9438W!,79.5,934-807;,9438W!8.,,791,.98%0 /,9, .40.943 2094/8 9,9 0 5745480/ 147 98 7080,7. ,704-807;,9438 3907;086:089433,70 ,3/ /1107039 0893 108 41 90 47,3,943.8;07.79.,147907080,7.3907;03907;08 90.36:08 ,70 90 -089 , 94 ,.6:70 /00507 31472,943 1742 905,79.5,398%02,34-0.9;041903907;0894,:9039.,909013/38.,704-9,30/ 9 90 05 41 6:089433,7080 ,/ 900543. .43;078,9438 9 90025400841 90:82 42207.,-,34,70473 3:8242207.,,3290/03907;00/942,3,0784190-,34,704733924709,30,784389,39.439,.980702,/0347/07940990-74,/5.9:70419047,3,9430,/900543.3907;08994-,32,3,078308-7,3.2,3,07 ,3/ 90 4907 8 4507,943 2,3,07 49 ,;0 ,/ 473

  • 8/3/2019 Consumer Preferences and Consumer Awareness About Online Banking

    7/10

    050703.04124709,30,783:8242207.,,3290/0,/900543..43807;,9439-49902,3,078.,890572,72094/14790/,9, .40.943,8.43/:.90/- ,3/ 904907 ,8.43/:.90/-30 3907;04,7090,:947841,890789088,.3907;0944,34:794,..4258909,83907;0807070.47/0/-089,-83.,4843389,3920880307890

    5,79.5,398 ,3/ 3907;0078 ,;0 -003 314720/ ,-4:9 90 ,2 ,3/ 4, 41 907080,7.390-,884100.9743.-,33,3/070,/3088,/45943390.42207.,-,3841!,89,30,;094.43.:/02,9:708:08943834:77080,7.147901:9:7047#08:98,3/13/38070390757090/9,9,110.984731:03.090.:8942078,3/025400841-,384.0415,79.5,39147":089433,708%070070949,202-078473390-,33.:/08-7,3.411.0,3/0,/411.089,11202-0780704733-7,3.411.0007047330,/11.0 :9 41 0254008 0 49 70854380 1742 43 0254008 %700

    6:089433,708 070 /897-:90/ 94 -,3 47078 .:8942078 ,3/ .078 3 !,89,3-,38.078,70.,0/.,8078,3/0,;0.438/070/.,8078,8,-,30254000.078,70349,5,7941-,347078840.43897:.90//11070396:089433,70814790.078-0.,:8090;03/32,.30807;.08,;,,-043905439418,0!$843,;,,-014790.0784390543941$,03!,89,3'03/32,.308,70,;,,-04390!43941$,0807;.08.,708:507;80/-90.078$44:79,709889,11202-07841:8242207.,,370:,7.:89420784190-,3.,8907,3/423:2-0741800.90/5,79.5,398174290-,3 2,3,07 ,3/ .078 070 800.90/ 1742 4907 84:7.0 94 ,..4258 906:089433,70809,7090/900254008410,/411.0,3/90-7,3.411.0%0,;0/11070390/:.,943,-,.74:3/8,3/902,3,074190-,3050/:894,90789,11,3/.:894207708543800:80/0--,80/6:089433,708.3.:/0 0254008 6:089433,70 1472.0786:089433,701472,3/897,90.,6:089433,70 1472 . ,8 94 -0 10/ - 90 -,3 0254008 .:8942078 ,3/.078 $4 90 0254008 .:8942078 ,3/ .078 .,3 .425090 90,880882039 8:..0881: 03 90 ,;0 920 47 4:7 7080,7. . 706:703/;/:,8 507843, 70854380 ,-4:9 90 .:8942078 70:.9,39 41 :83 00.9743.-,330 :80/ 98 /,9, 84:7.0 ,8 , 572,7 84:7.0 ,3/ 0 .,3 09 3/05931472,943-:839890.36:0:8942078,3/0254008100.431/03994.43;0907 /0,8 0 .43/:.93 90 900543. 3907;08 0 1,.0/ 90 574-028 005038;0 ., 1742 $0/03 ,3/ 842092080 ,;0 94., 90 8,20 507843,,3-0.,:800,8-:83200938,3/490789:11,3/0070;0384204907920942,02,.,%0708543807,90,884-0.,:80994424709,3942439894.42509090/,9,.40.9430/897-:90/9097006:089433,7083/;/:,94!$#$,3/&$%#$849,90.,3,3,090708:92470.0,7,3/570.80%002540086:089433,70,810/-90-,30254008.0786:089433,70,810/-90.078,3/897,90.,88:086:089433,70,810/-90.:89420784190-,3

  • 8/3/2019 Consumer Preferences and Consumer Awareness About Online Banking

    8/10

    4.:2039,943349072094/41 .40.93/,9,8974::8390/4.:2039,9439,990-,38,70,/ ,;0%8 05 :8 94 ,;0 , 9474: :3/0789,3/3 ,3/ 473 4100.9743. -,3380.947 9,90 :80 ,907 43 147 4:7 0257., 7080,7. 1907

    89:/3980.,3,3,0,3/;0-099078:08943894-,3809,0051742 -,38 ,33:, 705479 89,90 -,3 41 !,89,3 ,33:, 705479 -,38 ,79.08-74.:70809.":089433,70%8 8 ;07 25479,39 84:7.0 147 .40.93 90 6:,9,9;0 /,9,0 5705,706:089433,708 1472,3/ 9039900541 4:7 .40,:08 473 3-,38 41!,89,30/897-:90,243900254008.:89420784190-,38,3/.0780/08397000--,80/6:089433,70814728%06:089433,708,/-0038070,90/3949700430147-,32,3,078430147.078,3/430147

    .:8942078%06:089433,70-0 -,80/:543902:950.4.06:089438,3/8479/08.75943894,;04:7-09907:3/0789,3/370,7/3-,38,3/98.:8942078%0806:089433,7080708039940,/411.0,3/-7,3.411.047:83906:089433,700,;0:80/90.0397,0/02,,//70882.-2.-.425 14.:83 437080,7. 6:08943 8250 ,3/ 0307, 6:089438 9,9 -0,80/ 942320.4250941906:089433,70,3/905:894,;0900,.9,3,8870.9-807;,943870.94-807;,94383.:/04-807;,94341200938/0,8,.9;908.,887442302:89:8024709,3,8304-807;079403,3.09097:894793088$3.04:7./44/0,;0-003;89390-,38840,/84204-807;,94304504500701,.3574-028147,939079:733436:0:00804-807;,943.,3349-0/430-1472,;89390-,384-9,33907;0,3/,1907;893900-8908,3/70,/3,79.080,/3/70.94-807;,943,8089:/083:8390.,8089:/907080,7.07.,3,3807904,3/6:089438,3/90574.08808 9,9 ,;0 -003 9,3 5,.0 .,3 -0 :3/078944/ 90 .,80 89:/ 058 30,233905034203433983,9:7, 809938,3/ 902:9503:2-07841/,9,.40.9432094/8,70:80/,3/-:939043047,100399089031472,943,8-003,9070/3.,8089:/903;08947,89904734.439744;07900;0398,3/5,79.5,398070-74:9390740412,390/0.8438,3/13/34:990708:983 2,3 89:,9438 90 .,80 89:/ 8 :80/ 94 .4397-:90 94 4:7 340/0 413/;/:,74:547,3,943,84.,,3/549.,5034203,4990830,3/2:950.,8089:/08,703.:/0/390.,8089:/7080,7.

  • 8/3/2019 Consumer Preferences and Consumer Awareness About Online Banking

    9/10

    0.48030,80$9:/,8089:/ ,5574,. 058 94 ,3,0 90 89:,9432470 3/059 ,3/ 7,943, 9/08.7-08902094/,3/.43/94324703/09,8-0.,:809;081:5.9:70419089:,9439900541/70.989:/0817422:95084:7.08,3/9014.,54398

    4324/073,.9438 9 8 ,3,/,59;0,5574,.9;,709418:-0.92,99078 ,8089:/.,3-0830479.,3-02:9500.480$30.,8089:/.8:8242207., ,3 290/ -0.,:80 8 90 43 -,3 . 8 574;/3 , 901,.9084100.9743.-,33,8.425,70/94907-,3841!,89,3$0.43/ 9,83495488-0147:894.40.9/,9,9384795074/4192017429094-,38840970/9414.:843830.,8089:/.8-,370.42203/0/830.,808574;/0 147 3/0593;089,943,3/7./08.75943 0 2:950 .,80/0838,4907,47904709.,705.,943,3/.7488.,80425,7843904:9.4208,99,30/ 1742 90 .,80 89:/ ,70 70,-0 ,3/ 70,89. ,80 89:/ /01308 90574-02410;,:,9434170,-936:,9,9;089:/089419039,0899024709,35,3.422438038094/0907230090790708:98,708038-0,3/-00;,-0,3/

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

  • 8/3/2019 Consumer Preferences and Consumer Awareness About Online Banking

    10/10

    9070,-9419089:/0890,2,8940307,90908,20708:981,/1107039 3;089,9473;089,908 90 7080,7. 9 82,7 .,80 89:/ 90 708:90307,90/-0908,209.,88:08,3/!74-028

    0.43/:.93,.,8089:/084:/.0,7/08.7-0905740.9,3/4-03;4;0/0 7080,7.078,8889,39847 .425,3025400894054398300/ 94-0,//70880/347/0794,3.44507,94347.431/039,,3/90-030198949047,3,94380574;/0,88:7,3.09,99047,3,943349-0,720/-4:75,79.5,943%047,3,943,3/980254008.42094349,90349-097,907.431/03.03904907,3/09794800,88:7,3.09,970,843,-0.,3/47-0574;/0/,3/9,9088039,/,9,-02,/0,;,,-0%0-030198 94 ,3 47,3,943 5,79.5,93 3 , 7080,7. 5740.9 ,70 ;,70/ %0 2,3.:/0 0,7332470,-4:9 9047,3,9430993 100/-,.,3/30 3898 1742907080,7.07,3//0;04539070,943859907080,7.07