Abstract :
Abstract Previous research suggests that despite Pakistan being the world's tenth-largest internet user population and having the fourth-largest IT export industry, there's significant resistance among Pakistani consumers towards internet payment methods. This reluctance stems from factors such as distrust in financial transaction systems, concerns about delayed transactions, risk of non-delivery, lack of confidence in using such systems, fraudulent activities, and privacy concerns. Failure to address these factors adequately could impede the development of e-commerce and e-transaction systems in Pakistan.
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