• Dr. Muzammil Khurshid,Dr. Muhammad Riaz Mahmood
Keywords: Adoption, Conventional Banking, Islamic Banking, Independent Sample T-Test, Pakistan


This study aims to examine the adoption of conventional and Islamic banking in Pakistan. A sample of 300 customers and employees was gathered through a questionnaire. The dependent variable was ‘‘Adoption of CB or IB’’ and the independent variables were attitude, perceived behavior control, social influence, innovation diffusion and public relations. The findings show that attitude, public relation, social influence, relative advantage and perceived behavioral control has a prominent impact on adoption decisions, but perceived behavioral affect adoption most significantly, as far as Independent Sample T-Test is concerned, the results designate that attitude, perceived behavioral control, and innovation diffusion have a significant impact on adoption.


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