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• Open Access Article

  17 Pages Download PDF: Impact of E-Banking on Customer Welfare: Empirical Evidence from the Banks in South Punjab (Pakistan)

  Impact of E-Banking on Customer Welfare: Empirical Evidence from the Banks in South Punjab (Pakistan)

  Uzma Hina, Muhammad Omer Chaudhary

  2025-06-30 https://doi.org/10.36923/jcmi.v6i1.633

  It is evident that internet banking (e-banking) revolutionizes financial management through convenience, speed, and accessibility, thus enhancing customer welfare by saving time, reducing costs, and increasing financial control. Hence, this study expands on existing literature by analyzing the impact of e-banking on customer welfare, particularly in banks of Southern Punjab, Pakistan. This study uses Zenithal et al.'s (2005) e-SQ/e-SERVQUAL framework and IFC's (2013) MBQ model, treating customer welfare as an outcome of e-banking service quality. A descriptive-exploratory design was employed to analyze the cause-and-effect relationship between e-banking services and customer welfare. A Logit Model was developed based on data collected from 1029 customers of real-time online branches (RTOB) located in Southern Punjab, Pakistan, to estimate the econometric properties for determining the relationship between e-banking and customer welfare. Findings reveal that E-banking explains 68.59% of welfare variance (R²=0.6859, Adj. R²=0.6825). The Logit model is significant (F=206.33, p=0.000), with education (β=0.009, p=0.012), e-compensation, efficiency, responsiveness, and website layout (all p=0.000) as positive predictors. Gender, location, age, marital status, and income showed no significant impact (p>0.05). The study highlights that Pakistan's banking sector, particularly in Southern Punjab, must improve digital literacy, banking services, and rural infrastructure to enhance e-banking adoption and financial inclusion and contribute more to customer welfare.

  pp. 32-48 Abstract views:194 Downloads:174

• Open Access Article

  10 Pages Download PDF: Behavioral Intentions and Determinants of Consumer Preference for Islamic Banks in Faisalabad

  Behavioral Intentions and Determinants of Consumer Preference for Islamic Banks in Faisalabad

  Noreen Riaz, Hazoor Muhammad Sabir, Anam Shehzadi

  2025-12-10 https://doi.org/10.36923/jcmi.v6i2.649

  The current study analyzed the Behavioral Intentions and determinants of consumer preferences about Islamic Banking in Faisalabad. The primary data for this study is collected from 230 consumers in 2024 from different Islamic Banks in Faisalabad region. To estimate the consumer’s preferences and satisfaction about Islamic banking, the study employs binary logistic regression model. The variable of consumer preference is dependent variable and in binary form. Moreover, awareness of Islamic banking, perceived sharia compliance and, trust in Islamic institutions are main independent variables of the study. According to the estimated results, the variable of respondent education, knowledge about the profit margin on Islamic bank, Awareness about service quality, insurance policy according to Shariah laws, leasing policy according to Shariah laws, deposit policy according to Shariah laws, bank charges, shows positive and significant relationship with the consumer preferences. Regarding demographic variables, the age of respondents, urban and rural region, marital status, gender, religion show positive but insignificant relation with the consumer preferences. On this research provide some suggestions and policy recommendations for concerned policy maker based on customer satisfaction and Knowledge in Islamic banking and shariah compliance.

  pp. 39-48 Abstract views:214 Downloads:126

• Open Access Article

  18 Pages Download PDF: Analyzing the Influence of Post-2018 Macroeconomic and Bank-Specific Indicators on Banking Sector Profitability: Evidence from Pakistan

  Analyzing the Influence of Post-2018 Macroeconomic and Bank-Specific Indicators on Banking Sector Profitability: Evidence from Pakistan

  Muhammad Iqbal, Muhammad Munir Ahmad, Naeem Raza, Muhammad Tayyeb Hafeez

  2025-06-27 https://doi.org/10.36923/jcmi.v6i1.643

  This study examines the impact of macroeconomic and bank-specific indicators on the profitability of Pakistan’s banking sector, focusing on the volatile post-2018 period. Using return on assets (ROA) as the performance metric, it analyzes data from 20 commercial banks between 2018 and 2023. Panel data regression, conducted via Gretl software, reveals that these internal factors—Capital Adequacy Ratio (CAR), Spread Ratio (SR), and Earnings per Share (EPS)—positively and significantly influence ROA, while Firm Size (SZ) has a significant negative effect. In contrast, macroeconomic indicators like Exchange Rate (EXR), GDP, and Policy Rate (POLR) show insignificant negative relationships, and Inflation (INF), Foreign Exchange Reserves (FXRV), and Cash Equivalents (CEQU) have insignificant positive effects. These findings highlight that bank-level factors play a more critical role than external economic conditions in determining profitability. The study recommends that bank managers focus on operational efficiency and

  pp. 119-136 Abstract views:216 Downloads:118

• Open Access Article

  16 Pages Download PDF: Impact of Financial Inclusion Using Community Investment Fund on Poverty Graduation in Rural Sindh of Pakistan

  Impact of Financial Inclusion Using Community Investment Fund on Poverty Graduation in Rural Sindh of Pakistan

  Talat Anwar, Fazal Ali Khan, Lubna Hassan, Amna Ejaz

  2025-06-25 https://doi.org/10.36923/jcmi.v6i1.640

  Financial inclusion offers significant benefits to the unbanked poor population, but barriers such as low literacy, lack of trust in formal financial institutions, and high transaction costs often hinder the use of formal banking services. On the other hand, the Community Investment Fund (CIF) is a revolving grant managed by community-based organisations that provides a low-cost, sustainable solution. The paper examines the impact of financial inclusion through CIF funds on poverty graduation in Rural Sindh, Pakistan. The Poverty Scorecard (PSC) tool is used to assess the changes in the poverty status of CIF loan and grant beneficiaries using before-and-after approaches. A household survey dataset from rural Sindh, covering 4,023 randomly selected households, is analysed. The findings suggest that financial inclusion through community investment funds has positively impacted poor households and helped them graduate from a lower poverty band to a higher one. Compared to conventional sources of finance like Microfinance Banks, the findings suggest that CIF loans appear to be largely cost-effective. We thus recommend increasing CIF coverage for poor segments of the population in Pakistan, as it provides a low-cost, sustainable solution for poverty graduation and increases the cost-effectiveness of social protection programmes in the country.

  pp. 95-110 Abstract views:348 Downloads:120