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Electronic banking has transformed the consumer banking experience in Pakistan and globally. Present study proposes to explore the e-banking experience of consumers in Pakistan and identify the factors pivotal to acceptance of e-banking services among consumers in Pakistan. A cross-sectional survey design was employed to study a selected sample of 440 active bank customers from different areas of Pakistan selected through purposive sampling technique. The sample included representation of both women and men with mean age of 31 (SD= 10.03) years. A majority of the participants were frequent users of e-banking services and used it for various purposes. Perceived usefulness, trust, ease of use, safety and reliability were found to be affecting the frequency at which e-banking services were utilized. Results revealed significant gender differences in preferences of e-banking adoption. Residential settings, educational level and income of consumers were noted to be associated with varying aspects of e-banking adoption. The findings of the present study provided useful insights into the factors that shape consumers' e-banking adoption decisions and will be helpful for banks to tailor their services and marketing efforts in order to meet the preferences and needs of their customers.

Keywords: Electronic Banking, Consumer Acceptance, E-banking Adoption, Consumer Satisfaction, Ease of Use, Safety, Accessibility.