摘要：Several studies have made known that internet banking (IB) implementation is not only advantageous
for banks, but also by perception and experience of IB users. Therefore, little is known about
factors propelling user’s intention to adopt internet banking in Pakistan. Thus, the purpose of this
research is to investigate the role of unified theory of acceptance and use of technology (UTAUT)
in internet banking adoption context. A quantitative approach based survey was conducted to collect
the data from 398 internet banking users. For statistical analysis structural equation model
(SEM) approach was used. The result of this study indicates that, UTAUT model provided a good
theoretical foundation in technology adoption investigation. Findings confirmed that all four predictors
(performance expectancy, effort expectancy, social influence and facilitating condition)
were significant and had significant amount of variance in predicting user’s intention to adopt
internet banking. Additionally, the IPMA test revealed that performance expectancy was the most
important factor among all other variables to predict user’s intention towards adoption of internet
banking. Lastly, managerial implications, limitations and future recommendations are discussed.
