\documentclass[11pt,twoside]{article}\makeatletter

\IfFileExists{xcolor.sty}%
  {\RequirePackage{xcolor}}%
  {\RequirePackage{color}}
\usepackage{colortbl}
\usepackage{wrapfig}
\usepackage{ifxetex}
\ifxetex
  \usepackage{fontspec}
  \usepackage{xunicode}
  \catcode`⃥=\active \def⃥{\textbackslash}
  \catcode`❴=\active \def❴{\{}
  \catcode`❵=\active \def❵{\}}
  \def\textJapanese{\fontspec{Noto Sans CJK JP}}
  \def\textChinese{\fontspec{Noto Sans CJK SC}}
  \def\textKorean{\fontspec{Noto Sans CJK KR}}
  \setmonofont{DejaVu Sans Mono}
  
\else
  \IfFileExists{utf8x.def}%
   {\usepackage[utf8x]{inputenc}
      \PrerenderUnicode{–}
    }%
   {\usepackage[utf8]{inputenc}}
  \usepackage[english]{babel}
  \usepackage[T1]{fontenc}
  \usepackage{float}
  \usepackage[]{ucs}
  \uc@dclc{8421}{default}{\textbackslash }
  \uc@dclc{10100}{default}{\{}
  \uc@dclc{10101}{default}{\}}
  \uc@dclc{8491}{default}{\AA{}}
  \uc@dclc{8239}{default}{\,}
  \uc@dclc{20154}{default}{ }
  \uc@dclc{10148}{default}{>}
  \def\textschwa{\rotatebox{-90}{e}}
  \def\textJapanese{}
  \def\textChinese{}
  \IfFileExists{tipa.sty}{\usepackage{tipa}}{}
\fi
\def\exampleFont{\ttfamily\small}
\DeclareTextSymbol{\textpi}{OML}{25}
\usepackage{relsize}
\RequirePackage{array}
\def\@testpach{\@chclass
 \ifnum \@lastchclass=6 \@ne \@chnum \@ne \else
  \ifnum \@lastchclass=7 5 \else
   \ifnum \@lastchclass=8 \tw@ \else
    \ifnum \@lastchclass=9 \thr@@
   \else \z@
   \ifnum \@lastchclass = 10 \else
   \edef\@nextchar{\expandafter\string\@nextchar}%
   \@chnum
   \if \@nextchar c\z@ \else
    \if \@nextchar l\@ne \else
     \if \@nextchar r\tw@ \else
   \z@ \@chclass
   \if\@nextchar |\@ne \else
    \if \@nextchar !6 \else
     \if \@nextchar @7 \else
      \if \@nextchar (8 \else
       \if \@nextchar )9 \else
  10
  \@chnum
  \if \@nextchar m\thr@@\else
   \if \@nextchar p4 \else
    \if \@nextchar b5 \else
   \z@ \@chclass \z@ \@preamerr \z@ \fi \fi \fi \fi
   \fi \fi  \fi  \fi  \fi  \fi  \fi \fi \fi \fi \fi \fi}
\gdef\arraybackslash{\let\\=\@arraycr}
\def\@textsubscript#1{{\m@th\ensuremath{_{\mbox{\fontsize\sf@size\z@#1}}}}}
\def\Panel#1#2#3#4{\multicolumn{#3}{){\columncolor{#2}}#4}{#1}}
\def\abbr{}
\def\corr{}
\def\expan{}
\def\gap{}
\def\orig{}
\def\reg{}
\def\ref{}
\def\sic{}
\def\persName{}\def\name{}
\def\placeName{}
\def\orgName{}
\def\textcal#1{{\fontspec{Lucida Calligraphy}#1}}
\def\textgothic#1{{\fontspec{Lucida Blackletter}#1}}
\def\textlarge#1{{\large #1}}
\def\textoverbar#1{\ensuremath{\overline{#1}}}
\def\textquoted#1{‘#1’}
\def\textsmall#1{{\small #1}}
\def\textsubscript#1{\@textsubscript{\selectfont#1}}
\def\textxi{\ensuremath{\xi}}
\def\titlem{\itshape}
\newenvironment{biblfree}{}{\ifvmode\par\fi }
\newenvironment{bibl}{}{}
\newenvironment{byline}{\vskip6pt\itshape\fontsize{16pt}{18pt}\selectfont}{\par }
\newenvironment{citbibl}{}{\ifvmode\par\fi }
\newenvironment{docAuthor}{\ifvmode\vskip4pt\fontsize{16pt}{18pt}\selectfont\fi\itshape}{\ifvmode\par\fi }
\newenvironment{docDate}{}{\ifvmode\par\fi }
\newenvironment{docImprint}{\vskip 6pt}{\ifvmode\par\fi }
\newenvironment{docTitle}{\vskip6pt\bfseries\fontsize{22pt}{25pt}\selectfont}{\par }
\newenvironment{msHead}{\vskip 6pt}{\par}
\newenvironment{msItem}{\vskip 6pt}{\par}
\newenvironment{rubric}{}{}
\newenvironment{titlePart}{}{\par }

\newcolumntype{L}[1]{){\raggedright\arraybackslash}p{#1}}
\newcolumntype{C}[1]{){\centering\arraybackslash}p{#1}}
\newcolumntype{R}[1]{){\raggedleft\arraybackslash}p{#1}}
\newcolumntype{P}[1]{){\arraybackslash}p{#1}}
\newcolumntype{B}[1]{){\arraybackslash}b{#1}}
\newcolumntype{M}[1]{){\arraybackslash}m{#1}}
\definecolor{label}{gray}{0.75}
\def\unusedattribute#1{\sout{\textcolor{label}{#1}}}
\DeclareRobustCommand*{\xref}{\hyper@normalise\xref@}
\def\xref@#1#2{\hyper@linkurl{#2}{#1}}
\begingroup
\catcode`\_=\active
\gdef_#1{\ensuremath{\sb{\mathrm{#1}}}}
\endgroup
\mathcode`\_=\string"8000
\catcode`\_=12\relax

\usepackage[a4paper,twoside,lmargin=1in,rmargin=1in,tmargin=1in,bmargin=1in,marginparwidth=0.75in]{geometry}
\usepackage{framed}

\definecolor{shadecolor}{gray}{0.95}
\usepackage{longtable}
\usepackage[normalem]{ulem}
\usepackage{fancyvrb}
\usepackage{fancyhdr}
\usepackage{graphicx}
\usepackage{marginnote}

\renewcommand{\@cite}[1]{#1}


\renewcommand*{\marginfont}{\itshape\footnotesize}

\def\Gin@extensions{.pdf,.png,.jpg,.mps,.tif}

  \pagestyle{fancy}

\usepackage[pdftitle={The Impact of Behavioral Consequences on E-Banking in Pakistan. A Business Perspective Study},
 pdfauthor={}]{hyperref}
\hyperbaseurl{}

	 \paperwidth210mm
	 \paperheight297mm
              
\def\@pnumwidth{1.55em}
\def\@tocrmarg {2.55em}
\def\@dotsep{4.5}
\setcounter{tocdepth}{3}
\clubpenalty=8000
\emergencystretch 3em
\hbadness=4000
\hyphenpenalty=400
\pretolerance=750
\tolerance=2000
\vbadness=4000
\widowpenalty=10000

\renewcommand\section{\@startsection {section}{1}{\z@}%
     {-1.75ex \@plus -0.5ex \@minus -.2ex}%
     {0.5ex \@plus .2ex}%
     {\reset@font\Large\bfseries}}
\renewcommand\subsection{\@startsection{subsection}{2}{\z@}%
     {-1.75ex\@plus -0.5ex \@minus- .2ex}%
     {0.5ex \@plus .2ex}%
     {\reset@font\Large}}
\renewcommand\subsubsection{\@startsection{subsubsection}{3}{\z@}%
     {-1.5ex\@plus -0.35ex \@minus -.2ex}%
     {0.5ex \@plus .2ex}%
     {\reset@font\large}}
\renewcommand\paragraph{\@startsection{paragraph}{4}{\z@}%
     {-1ex \@plus-0.35ex \@minus -0.2ex}%
     {0.5ex \@plus .2ex}%
     {\reset@font\normalsize}}
\renewcommand\subparagraph{\@startsection{subparagraph}{5}{\parindent}%
     {1.5ex \@plus1ex \@minus .2ex}%
     {-1em}%
     {\reset@font\normalsize\bfseries}}


\def\l@section#1#2{\addpenalty{\@secpenalty} \addvspace{1.0em plus 1pt}
 \@tempdima 1.5em \begingroup
 \parindent \z@ \rightskip \@pnumwidth 
 \parfillskip -\@pnumwidth 
 \bfseries \leavevmode #1\hfil \hbox to\@pnumwidth{\hss #2}\par
 \endgroup}
\def\l@subsection{\@dottedtocline{2}{1.5em}{2.3em}}
\def\l@subsubsection{\@dottedtocline{3}{3.8em}{3.2em}}
\def\l@paragraph{\@dottedtocline{4}{7.0em}{4.1em}}
\def\l@subparagraph{\@dottedtocline{5}{10em}{5em}}
\@ifundefined{c@section}{\newcounter{section}}{}
\@ifundefined{c@chapter}{\newcounter{chapter}}{}
\newif\if@mainmatter 
\@mainmattertrue
\def\chaptername{Chapter}
\def\frontmatter{%
  \pagenumbering{roman}
  \def\thechapter{\@roman\c@chapter}
  \def\theHchapter{\roman{chapter}}
  \def\thesection{\@roman\c@section}
  \def\theHsection{\roman{section}}
  \def\@chapapp{}%
}
\def\mainmatter{%
  \cleardoublepage
  \def\thechapter{\@arabic\c@chapter}
  \setcounter{chapter}{0}
  \setcounter{section}{0}
  \pagenumbering{arabic}
  \setcounter{secnumdepth}{6}
  \def\@chapapp{\chaptername}%
  \def\theHchapter{\arabic{chapter}}
  \def\thesection{\@arabic\c@section}
  \def\theHsection{\arabic{section}}
}
\def\backmatter{%
  \cleardoublepage
  \setcounter{chapter}{0}
  \setcounter{section}{0}
  \setcounter{secnumdepth}{2}
  \def\@chapapp{\appendixname}%
  \def\thechapter{\@Alph\c@chapter}
  \def\theHchapter{\Alph{chapter}}
  \appendix
}
\newenvironment{bibitemlist}[1]{%
   \list{\@biblabel{\@arabic\c@enumiv}}%
       {\settowidth\labelwidth{\@biblabel{#1}}%
        \leftmargin\labelwidth
        \advance\leftmargin\labelsep
        \@openbib@code
        \usecounter{enumiv}%
        \let\p@enumiv\@empty
        \renewcommand\theenumiv{\@arabic\c@enumiv}%
	}%
  \sloppy
  \clubpenalty4000
  \@clubpenalty \clubpenalty
  \widowpenalty4000%
  \sfcode`\.\@m}%
  {\def\@noitemerr
    {\@latex@warning{Empty `bibitemlist' environment}}%
    \endlist}

\def\tableofcontents{\section*{\contentsname}\@starttoc{toc}}
\parskip0pt
\parindent1em
\def\Panel#1#2#3#4{\multicolumn{#3}{){\columncolor{#2}}#4}{#1}}
\newenvironment{reflist}{%
  \begin{raggedright}\begin{list}{}
  {%
   \setlength{\topsep}{0pt}%
   \setlength{\rightmargin}{0.25in}%
   \setlength{\itemsep}{0pt}%
   \setlength{\itemindent}{0pt}%
   \setlength{\parskip}{0pt}%
   \setlength{\parsep}{2pt}%
   \def\makelabel##1{\itshape ##1}}%
  }
  {\end{list}\end{raggedright}}
\newenvironment{sansreflist}{%
  \begin{raggedright}\begin{list}{}
  {%
   \setlength{\topsep}{0pt}%
   \setlength{\rightmargin}{0.25in}%
   \setlength{\itemindent}{0pt}%
   \setlength{\parskip}{0pt}%
   \setlength{\itemsep}{0pt}%
   \setlength{\parsep}{2pt}%
   \def\makelabel##1{\upshape ##1}}%
  }
  {\end{list}\end{raggedright}}
\newenvironment{specHead}[2]%
 {\vspace{20pt}\hrule\vspace{10pt}%
  \phantomsection\label{#1}\markright{#2}%

  \pdfbookmark[2]{#2}{#1}%
  \hspace{-0.75in}{\bfseries\fontsize{16pt}{18pt}\selectfont#2}%
  }{}
      \def\TheFullDate{2015-05-15 (revised: 15 May 2015)}
\def\TheID{\makeatother }
\def\TheDate{2015-05-15}
\title{The Impact of Behavioral Consequences on E-Banking in Pakistan. A Business Perspective Study}
\author{}\makeatletter 
\makeatletter
\newcommand*{\cleartoleftpage}{%
  \clearpage
    \if@twoside
    \ifodd\c@page
      \hbox{}\newpage
      \if@twocolumn
        \hbox{}\newpage
      \fi
    \fi
  \fi
}
\makeatother
\makeatletter
\thispagestyle{empty}
\markright{\@title}\markboth{\@title}{\@author}
\renewcommand\small{\@setfontsize\small{9pt}{11pt}\abovedisplayskip 8.5\p@ plus3\p@ minus4\p@
\belowdisplayskip \abovedisplayskip
\abovedisplayshortskip \z@ plus2\p@
\belowdisplayshortskip 4\p@ plus2\p@ minus2\p@
\def\@listi{\leftmargin\leftmargini
               \topsep 2\p@ plus1\p@ minus1\p@
               \parsep 2\p@ plus\p@ minus\p@
               \itemsep 1pt}
}
\makeatother
\fvset{frame=single,numberblanklines=false,xleftmargin=5mm,xrightmargin=5mm}
\fancyhf{} 
\setlength{\headheight}{14pt}
\fancyhead[LE]{\bfseries\leftmark} 
\fancyhead[RO]{\bfseries\rightmark} 
\fancyfoot[RO]{}
\fancyfoot[CO]{\thepage}
\fancyfoot[LO]{\TheID}
\fancyfoot[LE]{}
\fancyfoot[CE]{\thepage}
\fancyfoot[RE]{\TheID}
\hypersetup{citebordercolor=0.75 0.75 0.75,linkbordercolor=0.75 0.75 0.75,urlbordercolor=0.75 0.75 0.75,bookmarksnumbered=true}
\fancypagestyle{plain}{\fancyhead{}\renewcommand{\headrulewidth}{0pt}}

\date{}
\usepackage{authblk}

\providecommand{\keywords}[1]
{
\footnotesize
  \textbf{\textit{Index terms---}} #1
}

\usepackage{graphicx,xcolor}
\definecolor{GJBlue}{HTML}{273B81}
\definecolor{GJLightBlue}{HTML}{0A9DD9}
\definecolor{GJMediumGrey}{HTML}{6D6E70}
\definecolor{GJLightGrey}{HTML}{929497} 

\renewenvironment{abstract}{%
   \setlength{\parindent}{0pt}\raggedright
   \textcolor{GJMediumGrey}{\rule{\textwidth}{2pt}}
   \vskip16pt
   \textcolor{GJBlue}{\large\bfseries\abstractname\space}
}{%   
   \vskip8pt
   \textcolor{GJMediumGrey}{\rule{\textwidth}{2pt}}
   \vskip16pt
}

\usepackage[absolute,overlay]{textpos}

\makeatother 
      \usepackage{lineno}
      \linenumbers
      
\begin{document}

             \author[1]{M.Yousaf  Raza}

             \author[2]{Khalid  Latif}

             \author[3]{Tariq  Rafiq}

             \affil[1]{  MOHI UD DIN ISLAMIC UNIVERSITY ISLAMABAD PAKISTAN}

\renewcommand\Authands{ and }

\date{\small \em Received: 6 April 2015 Accepted: 3 May 2015 Published: 15 May 2015}

\maketitle


\begin{abstract}
        


This study is conducted to see whether behavioral practices can play an imperative role in the modern life. The aim of this paper is to provide advanced level networking where people can connect with own bank without waiting. Now day?s organizations are playing an important role in customer dealing and providing advance facilities. The organizational culture has played a leading role in business progress in private/public banking organizations in the twenty-first century. The organizational culture can improve and promote the employee performance. This research is designed to inspect the effects of positive mouth word, repurchase intentions, propensity to complain, switching barriers, price sensitivity, and customer satisfaction with E-Banking variables such as Perceived usefulness in Pakistan. Result of study shows that the effect of these factors influences the behavior of customers and employees in banking sector. Many other factors contribute in behavioral with e-banking but the study including Perceived usefulness. The six behavioral consequences variable jointly measures the output by using technology. The conclusion focuses on the growing technology in banks of Pakistan which produces easiness for the public.

\end{abstract}


\keywords{behavioral consequences, E-banking, PU.}

\begin{textblock*}{18cm}(1cm,1cm) % {block width} (coords) 
\textcolor{GJBlue}{\LARGE Global Journals \LaTeX\ JournalKaleidoscope\texttrademark}
\end{textblock*}

\begin{textblock*}{18cm}(1.4cm,1.5cm) % {block width} (coords) 
\textcolor{GJBlue}{\footnotesize \\ Artificial Intelligence formulated this projection for compatibility purposes from the original article published at Global Journals. However, this technology is currently in beta. \emph{Therefore, kindly ignore odd layouts, missed formulae, text, tables, or figures.}}
\end{textblock*}


\let\tabcellsep& 	 	 		 \par
The Impact of Behavioral Consequences on E-Banking in Pakistan. A Business Perspective Study M.Yousaf Raza ? , Khalid Latif ? , Tariq Rafiq ? , Touqeer Sultan Shah ? \& Shakeel Ahmed ¥ Abstract-This study is conducted to see whether behavioral practices can play an imperative role in the modern life. The aim of this paper is to provide advanced level networking where people can connect with own bank without waiting. Now day's organizations are playing an important role in customer dealing and providing advance facilities. The organizational culture has played a leading role in business progress in private/public banking organizations in the twenty-first century.\par
The organizational culture can improve and promote the employee performance. This research is designed to inspect the effects of positive mouth word, repurchase intentions, propensity to complain, switching barriers, price sensitivity, and customer satisfaction with E-Banking variables such as Perceived usefulness in Pakistan. Result of study shows that the effect of these factors influences the behavior of customers and employees in banking sector. Many other factors contribute in behavioral with e-banking but the study including Perceived usefulness. The six behavioral consequences variable jointly measures the output by using technology. The conclusion focuses on the growing technology in banks of Pakistan which produces easiness for the public.\par
a) Research Questions RQ 1: What are the impacts of behavioral consequences on the electronic banking? RQ 2: What is the new framework for E-Banking and output of the electronic banking in Pakistan? RQ 3: How we can understand the behavior of banking employees? 
\section[{b) Research Methodology}]{b) Research Methodology}\par
Data is collected from the customers and bank employees in Rawalpindi and Islamabad. The survey is completed by 110 employees, 95\% response was observed. Results are made using Correlation, regression and ANOVA with the available data. Findings: Results of the study indicated that behavioral Consequences and E-banking can receive commitment and performance, with the cooperation of workers and environment provided by the organizations.\par
Research limitations/implications: The survey was conducted in the randomly selected private banks of Rawalpindi and Islamabad. Significance of the study: This paper shows the banks and their electronic effects on the customers and Introduction his is the behavioral study of banks that can provide good environment, time saving, good behavior, burden less and more informative for all the customers and employees. The purpose of this study is to provide electronic and quick facilities in the big city like Islamabad and Rawalpindi. Some behavioral factors that completely influence the E-banking system such as perceived usefulness. These variables measure the output by using these techniques. This study measures the behavior, living standard of people and educational background. It can be improved by organizational culture and improving those variables that can satisfy this societal environment. The substances redirect the numerous dimensions of behavioral results recognized in this study, Customer loyalty, comprising repurchase purposes and word-of-mouth intentions (Brady \& J. Joseph Cronin, Jr, 2001). The impact of readers' motives on their behavioral variations to other consumers online remarks, we first tested a full structural frame work containing path vectors from each of the five motive factors to both consequences variables  {\ref (Thurau \& Walsh, 2003}\hyperref[b41]{-2004)}. Prescribed relations are those where the manners between persons is mostly based upon the roles of individuals engage in the meeting .\par
In a study of national culture as a descriptive variable in the buying behavior of industrial services, it is important to account for other descriptions (Bruce \hyperref[b36]{Money, Gilly, \& Graham, 1988)}. Trustworthy customer's hearth bonds with the corporation and perform inversely from non-loyal clients. Faithfulness of customers influences behavioral outcomes and eventually, the income of a company \hyperref[b62]{(Srinivasana, Anderson, \& Ponnavolub, 2002)}. The observation of consistency and guarantee are very important facets that affect favorable faithfulness aspects such as re-purchase intentions, communicating positive word of mouth and loyalty under enlarged pricing. . Customer satisfaction has been linked to brand loyalty, repeat sales, and positive word of mouth behaviors \hyperref[b1]{(Bolkan, 2007)}. Negative word-of-mouth'' means telling others about one's frustration. For example grievances about the library and/or the service to friends or relatives \hyperref[b56]{(Oh, 2003)}.\par
High perception of service quality generates a satisfying feeling which in turn effects repurchase intentions. Similarly, high perception of service value leads to larger satisfaction, and in turn, affects repurchase intentions . Satisfaction is set up with the most significant construct and attracting customers directly, which enter the dimensions such as word-of-mouth, customer goals and price increase tolerance \hyperref[b5]{( He \& Song, 2007)}.In addition, alleged value may be a superior predicator of repurchase intents than either satisfaction \hyperref[b38]{(Chen \& Tsai, 2007)}. Supposed value, Service quality and satisfaction all seem to have good forecast of repurchase intentions while the association between them still remains uncertain \hyperref[b37]{(Chen C. F., 2008)}. Behavior was measured with three items which were industrialized based on proposition that such service results as repurchase intentions, word of mouth, and price premiums are the likely outcome of a service encounter \hyperref[b54]{(MichBradya \& Robertson, 2001)}. Price sensitivity is a critical market subdivision variable, and services involve heightened contact between members of buying and selling organizations, in which price observations frequently differ significantly across market segments  {\ref (Bolton \& Matthew B. Myers, 2003)}. Opposing complaints with non-complainers on outlook toward argumentative, tendency to complain and key behavior distinctiveness homological seem" marketing and psychology \hyperref[b21]{(Rizwan, et al., 2004)}.Factors of complaints in the banks in Goa have been researched by Hedge, who found that the customers' proclivity to complain depends on the situational characteristics in banks, rather than customer demographics. Given these findings, the present research is an attempt to uncover the factors that would affect the branch managers' inclination to redress the complaints with efficiency \hyperref[b41]{(DesaiI, 2004)}. When customer's satisfaction is high, as is frequently true in services, there is additional learning, namely service-provider learning, obligatory to enable customer fulfillment \hyperref[b51]{(Jonesa, Mothersbaugh \& Beatty, 2002)}. During post purchases phases, marketing activities should be designed to increase customer satisfaction, involvement, and service usage, in that way reducing the likelihood of customer switching . Ultimate goal for organizations is to develop performance in the market place; it is often measured in terms of productivity, profits. For service companies, one of the solutions to making profits is fulfilling one's customers \hyperref[b14]{(Nishii, Lepak, \& Schneider, 2008)}. The direction of causality between approval and service excellence. Unanswered issue in the research of quality is whether customer contentment leads to service quality \hyperref[b10]{(Lee, Lee, \& Yoo, 2000)}. Customer trust and pleasure have a wonderful impact on customer preservation and customer loyalty, and the result of that is that you keep customers around longer, and you also get a superior share of their folder \hyperref[b39]{(Cooil, Keiningham, Aksoy, \& Hsu, 2007)}.\par
With friendliness to businesses that are facing customer discontent, they could create switching blockade to avoid dissatisfied customers from switching to another bank \hyperref[b59]{(Rober, 2012)}. There are three types of switching barriers: strong interpersonal associations (the strength of the personal bonds that may develop between the employees of a supplier and the customer), high switching costs (the customers perception of the time, money and effort associated with changing supplier) and attractiveness of alternatives, which refers to whether viable alternatives exist in the market .\par
Competition is, just a move away in the Internet market, and other anti switching barriers have been covered by online firms ). Product switching is linked with both firm and firm product qualities and that product adding and dipping and persuades large changes in firm scope. The behavior we monitor is reliable with a natural simplification of existing theories of industry dynamics that includes endogenous product selection within firms \hyperref[b0]{(Bernard, Redding, \& Schott, 2010)}. Switching barriers and the aggressive industrial situations in the contrast between industries also exposed changes in behavior in an industrial monopoly in which switching to alternative outside service providers was not an option . 
\section[{II.}]{II.} 
\section[{Literature Review}]{Literature Review}\par
The study emphasis on individual observations, future research might also take into mind the existence of multiple comments and their possible behavioral significances \hyperref[b27]{(Walsh \& Thurau, 2004)}. Banking makes it possible for PC knowledgeable customers who hold a PC with an advance system of bank from their homes. With the use of individual machines, they can get up to date balance information on deposit and loan balance sheet, funds transfer between accounts and intersect with the bank by e-mail \hyperref[b55]{(Mols, 1998)}. Even if the study explored the relation value of e-service quality on customer loyalty, the loyalty variable was a unidimensional build that focused only on auspicious behavioral consequences, as comes first to mind, doing more business, preparedness to proposed and heartening to do business with the provider . We define as a supported relationship between the measured concealed construct and its behavioral consequences. Thus, self-generated validity 
\section[{Global Journal of Management and Business Research}]{Global Journal of Management and Business Research}\par
Volume XV Issue V Version I Year ( ) A effects increase the prospect that consumers will follow their purposes \hyperref[b3]{(Chandon, Morwitz, \& Reinartz, 2005)}. The quick change in both dealings may be ascribed to the public responsiveness of the importance of using e-banking and the disadvantages of conventional banking system. It can also be accredited to better safety services provided by cards industries or dealers \hyperref[b16]{(Nyangosi, Nyang'au, \& Magusa, 2007)}.\par
The e-banking is altering the financial industry and banking in provisions of the Nature of essential products /services and the way these are collected, projected, transported and inspired. It is an invaluable and prevailing tool driving development, supporting growth, promoting revolution and improving competitiveness \hyperref[b32]{(Auta, 2010)}. Researchers have found that application of e-banking has been more successful in other parts of the world than in Africa \hyperref[b12]{(Narteh, 2012)}. The E-banking favors banks to build speed, reduce processing periods and improve the elasticity of business dealings and reduce costs connected with having employees give our customers physically ( K, O, \& A, 2010). E-banking is a kind of banking that includes electronic form of money communication. Banking services are fully computerized such that transactions are concluded in a second. He further states that, ebanking involves the use of computer network in providing cash and transfer of funds (I, 2011). The secure E-Banking is equalizing by the security challenges linked with the disintermediation of data access \hyperref[b61]{(Shittu, 2010)}. "Any use of material and communication technology and electronic means by a bank to mien transactions and have communication with the stakeholders". Electronic banking provides ease and facilities to their customer. Electronic banking provides accessibility to their customer to use bank website for all kind of transactions in protected environment. Customers can interact with bank website hours a day and seven days a week \hyperref[b17]{(Oye, Shakil, \& Iahad, 2006)}. Besides automation, measures such as diversification of portfolios like e-banking and immense Voluntary Retirement Schemes looked to orient the banks towards facing the challenges, posed by the competitive consequence (Hegde \hyperref[b46]{Desai, 2004)}. Specially, from the viewpoint of customers, being customer oriented improves the remarks of the quality of an organization's overall market approaches, that increases customer loyalty, repurchase, and the inclination to offer positive word-of-mouth approvals .\par
We postulate and empirically test the proposition that interpersonal bonds, or interaction between employees and customers, can expressively influence positive word-of-mouth communication . One of the behavioral outputs expected to result from e-loyalty is positive word of mouth the extent to which personality says positive things about the e-retailer to others \hyperref[b25]{(Srinivasan, Anderson, \& Ponnavolu, 2002)}. Positive word of mouth not only helps to call new customers but also supports in the creation of positive image about the firm afraid . Encounter satisfaction has been connected with outcomes such as customer loyalty, purposes to return, and positive word-of-mouth intentions (Grandey, Fisk, Mattila, Jansen, \& Sideman, 2005). The insight of consistency and guarantee are the very important factors that affect favorable reliability facets such as re-purchase intentions, communicating positive word-of-mouth and loyalty under increased pricing . Customer satisfaction is a major element of customer preservation, positive word-of-mouth, improved profits, and lower marketing outlays \hyperref[b30]{(Yoshida \& James, 2010)}. Most of the clients are persuaded to let off customer service disasters, exhibit lessening the sympathy to price, and disseminate positive word of mouth about the business to others . Although some studies have resolved that satisfaction is a necessary but not sufficient ailment for positive word-of-mouth, it is arranged that positive reaction is always driven by satisfaction \hyperref[b23]{(Saha \& Theingi, 2009)}.\par
Repurchase intentions could be inclined by "structural factors such as switching costs, availability of alternatives or promised agreements . The awareness of reliability and declaration are the most important factors that affect auspicious loyalty aspects such as re-purchase intentions, communicating positive word-of-mouth and loyalty under amplified pricing . The use of attribution theory in consumer behavior has been found useful in clarifying issues such as consumer satisfaction/dissatisfaction; objection behavior, word-of-mouth behavior, reparation seeking, and future repurchase intentions (Donoghue \& de ). Higher levels of customer usage are associated with lower occurrences of disconfirmation, somewhat higher levels of satisfaction, and higher repurchase intentions . Consumer observations of trust, price equality and repurchase objectives were more favorable to the firm when the firm used a purchase timing method rather than a buyer documentation policy \hyperref[b34]{(Bolton \& Saxena Iyer, 2009)}. High perception of service quality triggers a satisfying feeling which in turn influences repurchase intentions . Studies in the marketing field have found a strong positive connotation between customer satisfactions and repurchase intentions in the environment of both consumer goods and services \hyperref[b24]{(Song \& He, 2008)}.\par
Reliability of the seller signals guarantee and reduces customers" price sensitivity .Buyers' price sensitivity for service agreements depends on service type ,service quality and level of service support . Price sensitivity is a serious market segmentation variable and services involve discriminating contact between members of buying and selling organizations, in which price observations often differ significantly across market Year 2015 ( ) A segments \hyperref[b33]{(Bolton \& Myers, 2003)}. Operational zed customer observances to consist of repurchase objective, positive and negative word of mouth, and price compassion \hyperref[b20]{(Ranaweera \& Neely, 2003)}.\par
Findings have been honestly reliable with respect to age, income, education and profession as possible determinants of consumer's feeling to complain . Seller may increase the proclivity to complain through inspiring the complaint to be expressed and resounding the consumer that the objection will be taken care of \hyperref[b49]{(Isabelle \& Bernard, 1999)}.\par
Customer satisfaction and behavioral intention over and above their mediated effect through the concept of customer value (Sajeev Varki \& Colgate, 2001). Purchase intention is a very important inspection for marketers. Purchase intentions are directly influenced by customer satisfaction \hyperref[b11]{(Maxham, 2001)}. Individual technologies improve customer satisfaction that will guide to customer loyalty . Satisfaction with recovery and overall firm satisfaction. Satisfaction with salvage as customer satisfaction with a particular transaction involving a failure and recovery \hyperref[b13]{(Netemeyer \& Maxham, 2002)}. A particular attitude for measuring satisfaction is proposed and numerous propositions are on warded concerning systematic differences in customer pleasure crossways individuals and product groups \hyperref[b50]{(Johnson \& Fornell, 1991)}. The search of backgrounds of customer retention to both industries and national borders. Asubonteng, McLeay, and customer satisfaction and socio demographic characteristics of customers \hyperref[b31]{(Athanassopoulos, 2000)}. Service excellence and customer satisfaction could be inspecting from both a transaction specific as well as a global viewpoint \hyperref[b10]{(Lee, Yoo, \& Lee, 2000)}.\par
Competition is, of course, just a click away in the Internet market and various anti switching barricades have been incorporated by online firms . Both from a theoretical and a managerial viewpoint it is of interest to explore how switching barriers affect satisfaction, repurchase intentions and attitudinal loyalty \hyperref[b52]{(Julander \& Soderlund, 2003)}. Some used the concept to show that customers do not switch due to a lack of attractive alternatives, high switching cost or other switching barriers \hyperref[b26]{(Valenzuela, 2012)}. Reliable with these arguments, many studies found switching barriers that can support the customer loyalty in telecommunication industry . Online consumers are relatively well educated and have been using computers for years; they may be able to handle many of the marketing bothers involving the issues related to switching barriers ). In such conditions of high struggle, the situational make active and also caused total switching when perceived switching barriers were high and the price focus was heavy in an insurance company ).  H2: There is a positive relationship between Repurchase intentions and E-Banking. H3: There is a +ve relationship between price sensitivity and E-Banking. H4: There is an association between propensity to complain and E-Banking. H5: The relationship between customer satisfaction and E-Banking is positive. H6: There is a positive relationship between switching Barriers and E-Banking. 
\section[{c) Methodology}]{c) Methodology}\par
The methodology of this paper is based on the different variables. The variables use the model as previous study of fama and schewert  {\ref (1977)}. The regression equation is used in it. Where ith are the consequences of banks with time period of t, ? it is the intercept (constant). ? is the change in dependent variables with respect to change in independent variable. Where ? 1 , ? 2, ? 3, ? 4, ? 5 are the Y it = ? it + 
\section[{d) Sampling size}]{d) Sampling size}\par
It is difficult to explore the impact of six Vs, i.e. Positive word of Mouth, Repurchase intentions, Price sensitivity, Propensity to complain, Customer satisfaction, switching barriers on E-Banking. Total employees surveyed are n=130 but the responses were 110.  
\section[{i) Coefficients}]{i) Coefficients}\par
This can be expected whether if there is a small change in (X1) then there may be a large change in Y'. These are the regression coefficient which shows the unstandardized and standardized beta. 
\section[{Table 7}]{Table 7}\par
Y pu = 1.939-0.006X1-0.309X2 +0.077X3-0.207X4+ 0.492X5+0.117X6 III. 
\section[{Results and Discussion}]{Results and Discussion}\par
This study consists of four demographics variables age, experience, education and gender. The total sample size of the study is 110. The frequency, validity of the data and commulative frequency is good. This is behavioral study shows interest of number of women and men. The comments were very strong and interrelated with this study. Table1 shows the percentage of gender; Table \hyperref[tab_1]{1} IV. 
\section[{Explanatory Statistics Quantifying}]{Explanatory Statistics Quantifying}\par
Mean and Standard deviation Variables represent average values that satisfy our study. It is also expressive statistics such as mean and standard deviation was examined for the time scaled dependent and independent variables (given in the table). Therefore, this research clears that data are more dependable and reliable and arranged by respondents in an average. S.D is near to 1.0.\par
So it shows sturdy impact on E-Banking. Last column shows the population N = 110. Presents the variable values and their impact with respect to their minimum and maximum values. It also finds the middle value and risk that may is beneficial for this study. Table \hyperref[tab_4]{4} shows the Pearson correlation mild is attained for the five intervals scaled variables. From the results, we find out that The behavioral consequences on E-Banking is positively correlated. The relationship 'r' lies between -1 to +1.\par
V. 
\section[{Conclusion}]{Conclusion}\par
The behavioral consequences of the customers and employees working in banks show a direct causal relationship with the e-banks. This can be taken as a significant finding in the banking organizations, especially in the Pakistani context. It can be considered that behavioral elements are very important for the organization which ultimately reduce their problems and increase interaction among customers and banks technology. This study produced very good results which were obtained from the SPSS statistical analysis software; theoretically, behavior influences the organizations' and their environment. Attitude, technologies and behavioral practices must be reviewed time to time for getting the better results. ? The sample size may be on the lower side, it is possible that if there is large sample size, results would be clearer and specified. 
\section[{b) Future Work}]{b) Future Work}\par
This research is limited to Pakistan only; leaders working in Pakistani environment can make their organization well by using international methods. We can make our study more efficient if we judge and contrast with other environmental factors.\begin{figure}[htbp]
\noindent\textbf{1}\includegraphics[]{image-2.png}
\caption{\label{fig_0}Figure 1 The}\end{figure}
    \begin{figure}[htbp]
\noindent\textbf{} \par 
\begin{longtable}{}
\end{longtable} \par
 
\caption{\label{tab_0}}\end{figure}
 \begin{figure}[htbp]
\noindent\textbf{1} \par 
\begin{longtable}{P{0.033203125\textwidth}P{0.12451171875\textwidth}P{0.2125\textwidth}P{0.14609375\textwidth}P{0.159375\textwidth}P{0.17431640625\textwidth}}
\tabcellsep \tabcellsep Frequency\tabcellsep \%age\tabcellsep Valid\%\tabcellsep Cumulative\%\\
Valid\tabcellsep Male\tabcellsep 67\tabcellsep 60.9\tabcellsep 60.9\tabcellsep 60.9\\
\tabcellsep Female\tabcellsep 43\tabcellsep 39.1\tabcellsep 39.1\tabcellsep 100.0\\
\tabcellsep Total\tabcellsep 110\tabcellsep 100.0\tabcellsep 100.0\tabcellsep \\
\tabcellsep \tabcellsep \multicolumn{3}{l}{Table 1.2 : Age}\tabcellsep \\
\tabcellsep \tabcellsep Frequency\tabcellsep \%age\tabcellsep Valid\%\tabcellsep Cumulative\%\\
Valid\tabcellsep 20-25\tabcellsep 22\tabcellsep 20.0\tabcellsep 20.0\tabcellsep 20.0\\
\tabcellsep 25-30\tabcellsep 50\tabcellsep 45.5\tabcellsep 45.5\tabcellsep 65.5\\
\tabcellsep 30-35\tabcellsep 35\tabcellsep 31.8\tabcellsep 31.8\tabcellsep 97.3\\
\tabcellsep 35-40\tabcellsep 3\tabcellsep 2.7\tabcellsep 2.7\tabcellsep 100.0\\
\tabcellsep Total\tabcellsep 110\tabcellsep 100.0\tabcellsep 100.0\tabcellsep \\
\tabcellsep \tabcellsep \multicolumn{3}{l}{Table 1.3 : Education}\tabcellsep \\
\tabcellsep \tabcellsep Frequency\tabcellsep \%age\tabcellsep Valid\%\tabcellsep Cumulative \%\\
Valid\tabcellsep B.A\tabcellsep 33\tabcellsep 30.0\tabcellsep 30.0\tabcellsep 30.0\\
\tabcellsep M.A\tabcellsep 75\tabcellsep 68.2\tabcellsep 68.2\tabcellsep 98.2\\
\tabcellsep MS\tabcellsep 2\tabcellsep 1.8\tabcellsep 1.8\tabcellsep 100.0\\
\tabcellsep Total\tabcellsep 110\tabcellsep 100.0\tabcellsep 100.0\tabcellsep \\
\tabcellsep \tabcellsep \multicolumn{3}{l}{Table 1.4 : Experience}\tabcellsep \\
\tabcellsep \tabcellsep Frequency\tabcellsep \%age\tabcellsep Valid\%\tabcellsep Cumulative\%\\
Valid\tabcellsep 1-5\tabcellsep 35\tabcellsep 31.8\tabcellsep 31.8\tabcellsep 31.8\\
\tabcellsep 5-10\tabcellsep 63\tabcellsep 57.3\tabcellsep 57.3\tabcellsep 89.1\\
\tabcellsep 10-15\tabcellsep 7\tabcellsep 6.4\tabcellsep 6.4\tabcellsep 95.5\\
\tabcellsep 15-20\tabcellsep 5\tabcellsep 4.5\tabcellsep 4.5\tabcellsep 100.0\\
\tabcellsep Total\tabcellsep 110\tabcellsep 100.0\tabcellsep 100.0\tabcellsep \end{longtable} \par
 
\caption{\label{tab_1}Table 1 :}\end{figure}
 \begin{figure}[htbp]
\noindent\textbf{2} \par 
\begin{longtable}{P{0.2667883211678832\textwidth}P{0.4187956204379562\textwidth}P{0.1644160583941606\textwidth}}
\tabcellsep \multicolumn{2}{l}{The Impact of Behavioral Consequences on E-Banking in Pakistan. A Business Perspective Study}\\
Year\tabcellsep \tabcellsep \\
22\tabcellsep \tabcellsep \\
Volume XV Issue V Version I\tabcellsep \tabcellsep \\
( )\tabcellsep \tabcellsep \\
Global Journal of Management and Business Research\tabcellsep Coefficients PWM RI PS PC CS SB\tabcellsep Cronbach's ? 0.748 0.746 0.753 0.681 0.775 0.773\\
\tabcellsep N of 6 Items\tabcellsep 0.746\end{longtable} \par
  {\small\itshape [Note: A e) Sampling procedure]} 
\caption{\label{tab_2}Table 2 :}\end{figure}
 \begin{figure}[htbp]
\noindent\textbf{3} \par 
\begin{longtable}{P{0.1611111111111111\textwidth}P{0.25555555555555554\textwidth}P{0.31111111111111106\textwidth}P{0.1222222222222222\textwidth}}
\tabcellsep Mean\tabcellsep Std. Deviation\tabcellsep N\\
PU\tabcellsep 4.4436\tabcellsep .29724\tabcellsep 110\\
PW\tabcellsep 4.2908\tabcellsep .34121\tabcellsep 110\\
M\tabcellsep \tabcellsep \tabcellsep \\
RI\tabcellsep 4.2818\tabcellsep .34737\tabcellsep 110\\
PS\tabcellsep 4.2984\tabcellsep .34245\tabcellsep 110\\
PC\tabcellsep 4.3136\tabcellsep .51961\tabcellsep 110\\
CS\tabcellsep 4.3075\tabcellsep .32963\tabcellsep 110\\
SB\tabcellsep 4.3257\tabcellsep .32117\tabcellsep 110\\
g) Correlation\tabcellsep \tabcellsep \tabcellsep \end{longtable} \par
 
\caption{\label{tab_3}Table 3 :}\end{figure}
 \begin{figure}[htbp]
\noindent\textbf{4} \par 
\begin{longtable}{P{0.0768897149938042\textwidth}P{0.007372986369268897\textwidth}P{0.05898389095415118\textwidth}P{0.10216852540272614\textwidth}P{0.12112763320941759\textwidth}P{0.10006195786864931\textwidth}P{0.11270136307311028\textwidth}P{0.08531598513011153\textwidth}P{0.09374225526641883\textwidth}P{0.091635687732342\textwidth}}
\tabcellsep \tabcellsep \tabcellsep PU\tabcellsep PWM\tabcellsep RI\tabcellsep PS\tabcellsep PC\tabcellsep CS\tabcellsep SB\\
\multicolumn{2}{l}{Pearson Correlation}\tabcellsep PU\tabcellsep 1.000\tabcellsep .603\tabcellsep .602\tabcellsep .610\tabcellsep .600\tabcellsep .636\tabcellsep .631\\
\tabcellsep \tabcellsep PWM\tabcellsep .603\tabcellsep 1.000\tabcellsep .988\tabcellsep .973\tabcellsep .662\tabcellsep .960\tabcellsep .918\\
\tabcellsep \tabcellsep RI\tabcellsep .602\tabcellsep .988\tabcellsep 1.000\tabcellsep .979\tabcellsep .675\tabcellsep .959\tabcellsep .910\\
\tabcellsep \tabcellsep PS\tabcellsep .610\tabcellsep .973\tabcellsep .979\tabcellsep 1.000\tabcellsep .634\tabcellsep .979\tabcellsep .927\\
\tabcellsep \tabcellsep PC\tabcellsep .600\tabcellsep .662\tabcellsep .675\tabcellsep .634\tabcellsep 1.000\tabcellsep .642\tabcellsep .624\\
\tabcellsep \tabcellsep CS\tabcellsep .636\tabcellsep .960\tabcellsep .959\tabcellsep .979\tabcellsep .642\tabcellsep 1.000\tabcellsep .973\\
\tabcellsep \tabcellsep SB\tabcellsep .631\tabcellsep .918\tabcellsep .910\tabcellsep .927\tabcellsep .624\tabcellsep .973\tabcellsep 1.000\\
Sig. (1-tailed)\tabcellsep \tabcellsep PU\tabcellsep .\tabcellsep .000\tabcellsep .000\tabcellsep .000\tabcellsep .000\tabcellsep .000\tabcellsep .000\\
\tabcellsep \tabcellsep PWM\tabcellsep .000\tabcellsep .\tabcellsep .000\tabcellsep .000\tabcellsep .000\tabcellsep .000\tabcellsep .000\\
\tabcellsep \tabcellsep RI\tabcellsep .000\tabcellsep .000\tabcellsep .\tabcellsep .000\tabcellsep .000\tabcellsep .000\tabcellsep .000\\
\tabcellsep \tabcellsep PS\tabcellsep .000\tabcellsep .000\tabcellsep .000\tabcellsep .\tabcellsep .000\tabcellsep .000\tabcellsep .000\\
\tabcellsep \tabcellsep PC\tabcellsep .000\tabcellsep .000\tabcellsep .000\tabcellsep .000\tabcellsep .\tabcellsep .000\tabcellsep .000\\
\tabcellsep \tabcellsep CS\tabcellsep .000\tabcellsep .000\tabcellsep .000\tabcellsep .000\tabcellsep .000\tabcellsep .\tabcellsep .000\\
\tabcellsep \tabcellsep SB\tabcellsep .000\tabcellsep .000\tabcellsep .000\tabcellsep .000\tabcellsep .000\tabcellsep .000\tabcellsep .\\
N\tabcellsep \tabcellsep PU\tabcellsep 110\tabcellsep 110\tabcellsep 110\tabcellsep 110\tabcellsep 110\tabcellsep 110\tabcellsep 110\\
\tabcellsep \tabcellsep PWM\tabcellsep 110\tabcellsep 110\tabcellsep 110\tabcellsep 110\tabcellsep 110\tabcellsep 110\tabcellsep 110\\
\tabcellsep \tabcellsep RI\tabcellsep 110\tabcellsep 110\tabcellsep 110\tabcellsep 110\tabcellsep 110\tabcellsep 110\tabcellsep 110\\
\tabcellsep \tabcellsep PS\tabcellsep 110\tabcellsep 110\tabcellsep 110\tabcellsep 110\tabcellsep 110\tabcellsep 110\tabcellsep 110\\
\tabcellsep \tabcellsep PC\tabcellsep 110\tabcellsep 110\tabcellsep 110\tabcellsep 110\tabcellsep 110\tabcellsep 110\tabcellsep 110\\
\tabcellsep \tabcellsep CS\tabcellsep 110\tabcellsep 110\tabcellsep 110\tabcellsep 110\tabcellsep 110\tabcellsep 110\tabcellsep 110\\
\tabcellsep \tabcellsep SB\tabcellsep 110\tabcellsep 110\tabcellsep 110\tabcellsep 110\tabcellsep 110\tabcellsep 110\tabcellsep 110\\
\multicolumn{3}{l}{h) Multiple Regression Analysis}\tabcellsep \tabcellsep \tabcellsep \tabcellsep \tabcellsep \tabcellsep \tabcellsep \\
\tabcellsep \tabcellsep \tabcellsep \tabcellsep \multicolumn{2}{l}{Table 5}\tabcellsep \tabcellsep \tabcellsep \tabcellsep \\
sModel\tabcellsep R\tabcellsep R\tabcellsep Adjusted\tabcellsep Std. Error\tabcellsep \tabcellsep \multicolumn{3}{l}{Change Statistics}\tabcellsep \\
\tabcellsep \tabcellsep Square\tabcellsep R Square\tabcellsep of the\tabcellsep R Square\tabcellsep F\tabcellsep df1\tabcellsep df2\tabcellsep Sig. F\\
\tabcellsep \tabcellsep \tabcellsep \tabcellsep Estimate\tabcellsep Change\tabcellsep Change\tabcellsep \tabcellsep \multicolumn{2}{l}{Change}\\
1\tabcellsep .691 a\tabcellsep .477\tabcellsep .446\tabcellsep .22117\tabcellsep .477\tabcellsep 15.648\tabcellsep 6\tabcellsep 103\tabcellsep .000\end{longtable} \par
 
\caption{\label{tab_4}Table 4 :}\end{figure}
 \begin{figure}[htbp]
\noindent\textbf{6} \par 
\begin{longtable}{P{0.4385350318471337\textwidth}P{0.12452229299363056\textwidth}P{0.09203821656050956\textwidth}P{0.04872611464968153\textwidth}P{0.05414012738853503\textwidth}P{0.03789808917197452\textwidth}P{0.05414012738853503\textwidth}}
Model\tabcellsep \tabcellsep SS\tabcellsep df\tabcellsep MS\tabcellsep F\tabcellsep Sig.\\
1\tabcellsep Regression\tabcellsep 4.592\tabcellsep 6\tabcellsep .765\tabcellsep 15.648\tabcellsep .000 b\\
\tabcellsep Residual\tabcellsep 5.038\tabcellsep 103\tabcellsep .049\tabcellsep \tabcellsep \\
\tabcellsep Total\tabcellsep 9.631\tabcellsep 109\tabcellsep \tabcellsep \tabcellsep \\
\multicolumn{2}{l}{a. Dependent Variable: PU}\tabcellsep \tabcellsep \tabcellsep \tabcellsep \tabcellsep \\
\multicolumn{4}{l}{b. Predictors: (Constant), SB, PC, RI, PS, PWM, CS}\tabcellsep \tabcellsep \tabcellsep \end{longtable} \par
 
\caption{\label{tab_5}Table 6 :}\end{figure}
 \begin{figure}[htbp]
\noindent\textbf{2} \par 
\begin{longtable}{P{0.85\textwidth}}
data. According to Glien (2003) Range of Cronbach's\\
alpha is between 0 and 1. In reliability test .70 is\\
acceptable value of alpha but .8 is expected to be a\\
required target which shows a good consistency of\\
internal scale of the items (Gliem, 2003). Table1 shows\\
the percentage of gender;\\
shows Cronbach's alpha reliability coefficients of one\\
independent variable i.e. E-Banking (Perceived\\
Usefulness) and six independent variables were\\
obtained which are as follow:-\\
? Positive word of Mouth\\
? Repurchase intentions\\
? Price sensitivity\\
? Propensity to complain\\
? Customer satisfaction\\
? Switching barriers\\
Reliability test of all the variables shows the rate\\
of Cronbach's Alpha used for maximum variables is\\
0.773, considered to be excellent for internal reliability of\end{longtable} \par
 
\caption{\label{tab_6}Table 2}\end{figure}
 \begin{figure}[htbp]
\noindent\textbf{1} \par 
\begin{longtable}{P{0.020816326530612245\textwidth}P{0.07979591836734694\textwidth}P{0.2046938775510204\textwidth}P{0.13183673469387755\textwidth}P{0.1873469387755102\textwidth}P{0.11448979591836735\textwidth}P{0.11102040816326532\textwidth}}
Model\tabcellsep \tabcellsep \multicolumn{2}{l}{Unstandardized Coefficients}\tabcellsep Standardized\tabcellsep t\tabcellsep Sig.\\
\tabcellsep \tabcellsep \tabcellsep \tabcellsep Coefficients\tabcellsep \\
\tabcellsep \tabcellsep B\tabcellsep Std. Error\tabcellsep Beta\tabcellsep \\
1\tabcellsep (Constant)\tabcellsep 1.939\tabcellsep .287\tabcellsep \tabcellsep 6.746\tabcellsep .000\\
\tabcellsep PWM\tabcellsep -.006\tabcellsep .419\tabcellsep -.006\tabcellsep -.013\tabcellsep .989\\
\tabcellsep RI\tabcellsep -.309\tabcellsep .472\tabcellsep -.361\tabcellsep -.655\tabcellsep .514\\
\tabcellsep PS\tabcellsep .077\tabcellsep .474\tabcellsep .089\tabcellsep .162\tabcellsep .871\\
\tabcellsep PC\tabcellsep .207\tabcellsep .057\tabcellsep .362\tabcellsep 3.653\tabcellsep .000\\
\tabcellsep CS\tabcellsep .492\tabcellsep .604\tabcellsep .546\tabcellsep .815\tabcellsep .417\\
\tabcellsep SB\tabcellsep .117\tabcellsep .341\tabcellsep .127\tabcellsep .344\tabcellsep .732\end{longtable} \par
  {\small\itshape [Note: A]} 
\caption{\label{tab_7}Table 1 .}\end{figure}
 			\footnote{© 2015 Global Journals Inc. (US) 1} 			\footnote{© 2015 Global Journals Inc. (US)} 		 		\backmatter  			  				\begin{bibitemlist}{1}
\bibitem[Nishii et al. ()]{b14}\label{b14} 	 		\textit{},  		 			L H Nishii 		,  		 			D P Lepak 		,  		 			B Schneider 		.  		2008.  	 
\bibitem[Johnson and Fornell ()]{b50}\label{b50} 	 		‘A framework for comparing customer satisfaction across individuals and product categories’.  		 			M D Johnson 		,  		 			C Fornell 		.  	 	 		\textit{Journal of Economic Psychology}  		1991. 12 p. .  	 
\bibitem[Cooil et al. ()]{b39}\label{b39} 	 		‘A Longitudinal Analysis of Customer Satisfaction and Share of Wallet: Investigating the Moderating Effect of Customer Characteristics’.  		 			B Cooil 		,  		 			T L Keiningham 		,  		 			L Aksoy 		,  		 			M Hsu 		.  	 	 		\textit{Journal of Marketing}  		2007. 71 p. .  	 
\bibitem[He and Song ()]{b5}\label{b5} 	 		\textit{A Mediation Model of Tourists' Repurchase Intentions for Packaged Tour Services},  		 			Y He 		,  		 			H Song 		.  		2007. Pre-Published Version. p. .  	 
\bibitem[Song and He ()]{b24}\label{b24} 	 		\textit{A Mediation Model of Tourists' Repurchase Intentions for Packaged Tour Services},  		 			H Song 		,  		 			Y He 		.  		2008. Pre-Published Version. p. .  	 
\bibitem[Qian et al. ()]{b58}\label{b58} 	 		‘An Integrated Analysis Framework for Customer Value, Customer Satisfactory, Switching Barriers, Repurchase Intention and Attitudinal Loyalty: 59’.  		 			S Qian 		,  		 			S Peiji 		,  		 			Y Quanfu 		.  	 	 		\textit{Management Science and Engineering}  		2011. 5  (3)  p. .  	 	 (Evidences from China Mobile Data Services) 
\bibitem[Quanfu et al. ()]{b19}\label{b19} 	 		‘An Integrated Analysis Framework for Customer Value, Customer Satisfactory, Switching barriers, Repurchase Intention and Attitudinal Loyalty: Evidences from China Mobile Data Services’.  		 			Y Quanfu 		,  		 			S Qian 		,  		 			S Peiji 		.  	 	 		\textit{Management Science and Engineering}  		2011. 5  (3)  p. .  	 
\bibitem[Narteh ()]{b12}\label{b12} 	 		‘Challenges of Marketing Ebanking Services in a Developing Country: The Case of Ghana’.  		 			B Narteh 		.  	 	 		\textit{Journal of Internet Banking and Commerce}  		2012. 17  (2)  p. .  	 
\bibitem[Oh ()]{b56}\label{b56} 	 		‘Complaining behavior of public library users in south korea’.  		 			D G Oh 		.  	 	 		\textit{Library \& Information Science Research}  		2003. 25 p. .  	 
\bibitem[Srinivasan et al. ()]{b25}\label{b25} 	 		‘Customer loyalty in e-commerce: an exploration of its antecedents and consequences’.  		 			S S Srinivasan 		,  		 			R Anderson 		,  		 			K Ponnavolu 		.  	 	 		\textit{Journal of Retailing}  		2002. 78 p. .  	 
\bibitem[Srinivasana et al. ()]{b62}\label{b62} 	 		‘Customer loyalty in e-commerce: an exploration of its antecedents and consequences’.  		 			S S Srinivasana 		,  		 			R Anderson 		,  		 			K Ponnavolub 		.  	 	 		\textit{Journal of Retailing}  		2002. 78 p. .  	 
\bibitem[Brady et al. ()]{b35}\label{b35} 	 		‘Customer Orientation: Effects on Customer Service Perceptions and Outcome Behaviors’.  		 			M K Brady 		,  		 			\& J Joseph Cronin 		,  		 			J J Jr 		.  	 	 		\textit{Journal of Service Research}  		2001. 3  (3)  p. .  	 
\bibitem[Yang and Peterson ()]{b28}\label{b28} 	 		‘Customer Perceived Value, Satisfaction, and Loyalty: The Role of Switching Costs’.  		 			Z Yang 		,  		 			R T Peterson 		.  	 	 		\textit{Psychology \& Marketing}  		2004. 21  (10)  p. .  	 
\bibitem[Yang and Peterson ()]{b67}\label{b67} 	 		‘Customer Perceived Value, Satisfaction, and Loyalty: The Role of Switching Costs’.  		 			Z Yang 		,  		 			R T Peterson 		.  	 	 		\textit{Psychology \& Marketing}  		2004. 21  (10)  p. .  	 
\bibitem[Athanassopoulos ()]{b31}\label{b31} 	 		‘Customer Satisfaction Cues To Support Market Segmentation and Explain Switching Behavior’.  		 			A D Athanassopoulos 		.  	 	 		\textit{Journal of Business Research}  		2000. 47 p. .  	 
\bibitem[Yoshida and James ()]{b30}\label{b30} 	 		‘Customer Satisfaction with Game and Service Experiences: Antecedents and Consequences’.  		 			M Yoshida 		,  		 			J D James 		.  	 	 		\textit{Journal of Sport Management}  		2010. 24 p. .  	 
\bibitem[Edvardsson et al. ()]{b4}\label{b4} 	 		‘Customer Switching Patterns in Competitive and Noncompetitive Service Industries’.  		 			B Edvardsson 		,  		 			I Roos 		,  		 			A Gustafsson 		.  	 	 		\textit{Journal of Service Research}  		2004. 10  (10)  p. .  	 
\bibitem[Roos et al. ()]{b22}\label{b22} 	 		‘Customer Switching Patterns in Competitive and Noncompetitive Service Industries’.  		 			I Roos 		,  		 			B Edvardsson 		,  		 			A Gustafsson 		.  	 	 		\textit{Journal of Service Research}  		2004. 10  (10)  p. .  	 
\bibitem[Rizwan et al. ()]{b21}\label{b21} 	 		‘Determinants affecting consumer complaining behavoir: a study in a university of pakistan’.  		 			M Rizwan 		,  		 			S H Syed Hassanali 		,  		 			S Akhter 		,  		 			Y Abbas 		,  		 			A Kanwal 		,  		 			S Iqbal 		.  	 	 		\textit{Asian Journal of Empirical Research}  		2004. 3  (2)  p. .  	 
\bibitem[Desaii ()]{b41}\label{b41} 	 		\textit{Determinents of Expedious Complaint Redressel in Banks. Goa: prof A. Sreeekumar},  		 			P G Desaii 		.  		2004.  	 
\bibitem[Desai ()]{b46}\label{b46} 	 		‘Determinents of Expeditious coplaint Redressel in banks’.  		 			Hegde Desai 		,  		 			PG 		.  	 	 		\textit{GOA UNIVERSITY: A. SREEKUMAR}  		2004.  	 
\bibitem[Donoghue and De Klerk ()]{b42}\label{b42} 	 		‘Dissatisfied consumers' complaint behaviour concerning product failure of major electrical household appliances a conceptual framework’.  		 			S Donoghue 		,  		 			H M De Klerk 		.  	 	 		\textit{Journal of Family Ecology and Consumer Sciences}  		2006. 34 p. .  	 
\bibitem[Klerk and Donoghue ()]{b53}\label{b53} 	 		‘Dissatisfied consumers' complaint behaviour concerning product failure of major electrical household appliances a conceptual framework’.  		 			H M Klerk 		,  		 			S Donoghue 		.  	 	 		\textit{Journal of Family Ecology and Consumer Sciences}  		2006. 34 p. .  	 
\bibitem[Chandon et al. ()]{b3}\label{b3} 	 		‘Do Intentions Really Predict Behavior? Self-Generated Validity effects in survey research’.  		 			P Chandon 		,  		 			V G Morwitz 		,  		 			W J Reinartz 		.  	 	 		\textit{Journal of Marketing}  		2005. 69 p. .  	 
\bibitem[Auta ()]{b32}\label{b32} 	 		\textit{E-Banking in Developing Econoy: Epirical evidence from Nigeria. ournal of applied quantative methods},  		 			E M Auta 		.  		2010. 5 p. .  	 
\bibitem[Oye et al. ()]{b17}\label{b17} 	 		‘E-Banking: A Case Study of Askari Commercial Bank Pakistan’.  		 			N D Oye 		,  		 			M A Shakil 		,  		 			N A Iahad 		.  	 	 		\textit{International Journal of Engineering Research and Applications}  		2006. 1  (3)  p. .  	 
\bibitem[Julander and Soderlund ()]{b52}\label{b52} 	 		‘Effects of Switching Barriers on Satisfaction, Repurchase Intentions and Attitudinal Loyalty’.  		 			C R Julander 		,  		 			M Soderlund 		.  	 	 		\textit{SSE/EFI}  		2003. p. .  	 
\bibitem[Cronin and Brady ()]{b40}\label{b40} 	 		‘Effects on Customer Service Perceptions and Outcome Behaviors’.  		 			J J Cronin 		,  		 			M K Brady 		.  	 	 		\textit{Journal of Service Research}  		2001. 3  (3)  p. .  	 
\bibitem[
			I
		 ()]{b48}\label{b48} 	 		‘Electronic Bankin in Nigeria: Challenges of the Reulatory authorities and the way forward’.  		 			I 		,  		 			DA 		.  	 	 		\textit{International Journal of Economic Development Research and Investment}  		2011. 2  (1)  p. .  	 
\bibitem[Thurau and Walsh ()]{b65}\label{b65} 	 		‘Electronic Word of Mouth: Motives for and Consequences of Reading Customer Articulations on the Internet’.  		 			T H Thurau 		,  		 			G Walsh 		.  	 	 		\textit{international journal of electronic commerce}  		2003-2004. 8  (2)  p. .  	 
\bibitem[Walsh and Thurau ()]{b27}\label{b27} 	 		‘Electronic Word of Mouth: Motives for and Consequences of Reading Customer Articulations on the Internet’.  		 			G Walsh 		,  		 			T H Thurau 		.  	 	 		\textit{International Journal of Electronic Commerce}  		2004. 8  (2)  p. .  	 
\bibitem[Employee Attributions of the "Why" of HR Practices: Their Effects on Employee Attitudes and Behaviors, and Customer Satisfaction. Employee Attributions of the Why]{b15}\label{b15} 	 		\textit{Employee Attributions of the "Why" of HR Practices: Their Effects on Employee Attitudes and Behaviors, and Customer Satisfaction. Employee Attributions of the Why},  				p. .  	 
\bibitem[Money et al. ()]{b36}\label{b36} 	 		‘Explorations of National Culture and Wordof-Mouth Referral Behavior in the Purchase of Industrial Services in the United States and Japan’.  		 			Bruce Money 		,  		 			R B Gilly 		,  		 			M C Graham 		,  		 			JL 		.  	 	 		\textit{Journal of Marketing}  		1988. 62 p. .  	 
\bibitem[Gremler et al. ()]{b44}\label{b44} 	 		‘Generating positive Generating positive through customer employee relationships’.  		 			D D Gremler 		,  		 			K P Gwinner 		,  		 			S W Brown 		.  	 	 		\textit{International Journal of Service Industry Management}  		2001. 12  (1)  p. .  	 
\bibitem[Gwinner et al. ()]{b45}\label{b45} 	 		‘Generating positive word-of-mouth communication through customer employee relationships’.  		 			K P Gwinner 		,  		 			D D Gremler 		,  		 			S W Brown 		.  	 	 		\textit{International Journal of Service Industry Management}  		2001. 12  (1)  p. .  	 
\bibitem[Chen and Tsai ()]{b38}\label{b38} 	 		\textit{How destination image and evaluative factors affect behavioral intentions? Tourism Management},  		 			C F Chen 		,  		 			D C Tsai 		.  		2007. p. .  	 
\bibitem[Bolton and Iyer ()]{b2}\label{b2} 	 		‘Interactive Services: A Framework, Synthesis and Research Directions’.  		 			R Bolton 		,  		 			S S Iyer 		.  	 	 		\textit{Journal of Interactive Marketing}  		2009. 23 p. .  	 
\bibitem[Bolton and Saxena Iyer ()]{b34}\label{b34} 	 		‘Interactive Services: A Framework, Synthesis and Research Directions’.  		 			R Bolton 		,  		 			S Saxena Iyer 		.  	 	 		\textit{Journal of Interactive Marketing}  		2009. 23 p. .  	 
\bibitem[Chen ()]{b37}\label{b37} 	 		‘Investigating structural relationships between service quality, perceived value, satisfaction, and behavioral intentions for air passengers: Evidence from Taiwan’.  		 			C F Chen 		.  	 	 		\textit{Transportation Research Part A}  		2008. 42 p. .  	 
\bibitem[Grandey et al. ()]{b43}\label{b43} 	 		‘Is ''service with a smile'' enough? Authenticity of positive displays during service encounters’.  		 			A A Grandey 		,  		 			G M Fisk 		,  		 			A S Mattila 		,  		 			K J Jansen 		,  		 			L A Sideman 		.  	 	 		\textit{Organizational Behavior and Human Decision Processes}  		2005. 96 p. .  	 
\bibitem[Nyangosi et al. ()]{b16}\label{b16} 	 		‘Managing Banks amid Information and Computer Technology: paradigms in Kenya’.  		 			R Nyangosi 		,  		 			S N Nyang'au 		,  		 			H G Magusa 		.  	 	 		\textit{Journal of internet banking and commerce}  		2007. p. .  	 
\bibitem[Wigand and Swaid ()]{b66}\label{b66} 	 		\textit{Measuring the quality of e service: scale development and initial validation. scale development and initial validation},  		 			R T Wigand 		,  		 			S I Swaid 		.  		2009. 1 p. .  	 
\bibitem[Swaid and Wigand ()]{b63}\label{b63} 	 		‘Measuring the quality of E-service Scale development and initial validation’.  		 			S I Swaid 		,  		 			R T Wigand 		.  	 	 		\textit{Journal of Electronic Commerce Research}  		2009. 10  (1)  p. .  	 
\bibitem[Swaid and Wigand ()]{b64}\label{b64} 	 		‘Measuring the quality of e-service: scale development and initial validation’.  		 			S I Swaid 		,  		 			R T Wigand 		.  	 	 		\textit{Journal of Electronic Commerce Research}  		2009. 10  (1)  p. .  	 
\bibitem[Netemeyer and Maxham ()]{b13}\label{b13} 	 		‘Modeling customer perceptions of complaint handling over time: the effects of perceived justice on satisfaction and intent’.  		 			R G Netemeyer 		,  		 			J G Maxham 		.  	 	 		\textit{Journal of Retailing}  		2002. 78 p. .  	 
\bibitem[Bernard et al. ()]{b0}\label{b0} 	 		‘Multiple-Product Firms and Product Switching’.  		 			A B Bernard 		,  		 			S J Redding 		,  		 			P K Schott 		.  	 	 		\textit{American Economic Review}  		2010. 100  (1)  p. .  	 
\bibitem[Bolkan ()]{b1}\label{b1} 	 		\textit{Organizational Responses to Consumer Complaints: An Approach to Understanding the Effectiveness of Remedial Accounts},  		 			S S Bolkan 		.  		2007. p. .  		 			The University of Texas at Austin 		 	 
\bibitem[Bolton and Myers ()]{b33}\label{b33} 	 		‘Price Based Global Market Segmentation for Services’.  		 			R N Bolton 		,  		 			M B Myers 		.  	 	 		\textit{Journal of Marketing}  		2003. 68 p. .  	 
\bibitem[Yilmaz and Hunt ()]{b29}\label{b29} 	 		‘Salesperson Cooperation: The Influence of Relational, Task, Organizational, and Personal Factors’.  		 			C Yilmaz 		,  		 			S D Hunt 		.  	 	 		\textit{Journal of the academy of marketing science}  		2001. 29  (4)  p. .  	 
\bibitem[Hunt and Yilmaz ()]{b47}\label{b47} 	 		‘Salesperson Cooperation: The Influence of Relational, Task, Organizational, and Personal Factors’.  		 			S D Hunt 		,  		 			C Yilmaz 		.  	 	 		\textit{Journal of the Academy of Marketing Science}  		2001. 29  (4)  p. .  	 
\bibitem[Michbradya and Robertson ()]{b54}\label{b54} 	 		‘Searching for a consensus on the antecedent role of service quality and satisfaction: an exploratory cross-national study’.  		 			M K Michbradya 		,  		 			C J Robertson 		.  	 	 		\textit{Journal of Business Research}  		2001. 51 p. .  	 
\bibitem[Saha and Theingi ()]{b23}\label{b23} 	 		‘Service quality, satisfaction, and behavioural intentions’.  		 			G C Saha 		,  		 			Theingi 		.  	 	 		\textit{Managing Service Quality}  		2009. 19  (3)  p. .  	 
\bibitem[Maxham ()]{b11}\label{b11} 	 		‘Service recovery's influence on consumer satisfaction, positive word-of-mouth, and purchase intentions’.  		 			J G Maxham 		.  	 	 		\textit{Journal of Business Research}  		2001. 54 p. .  	 
\bibitem[Ranaweera and Neely ()]{b20}\label{b20} 	 		‘Some moderating effects on the service quality-customer retention link’.  		 			C Ranaweera 		,  		 			A Neely 		.  	 	 		\textit{International Journal of Operations \& Production Management}  		2003. 23  (2)  p. .  	 
\bibitem[Heavner et al. ()]{b6}\label{b6} 	 		‘Survey of smokers' reasons for not switching to safer sources of nicotine and their willingness to do so in the future’.  		 			K K Heavner 		,  		 			Z Rosenberg 		,  		 			C V Phillips 		.  	 	 		\textit{Harm Reduction Journal}  		2009. p. .  	 
\bibitem[Mols ()]{b55}\label{b55} 	 		‘The behavioral consequences of PC banking’.  		 			N P Mols 		.  	 	 		\textit{International Journal of Bank Marketing}  		1998. 6  (5)  p. .  	 
\bibitem[Lee et al. ()]{b10}\label{b10} 	 		‘The determinants of perceived service quality and its relationship with satisfaction’.  		 			H Lee 		,  		 			D Yoo 		,  		 			Y Lee 		.  	 	 		\textit{Journal of services marketing}  		2000. 14  (3)  p. .  	 
\bibitem[Valenzuela ()]{b26}\label{b26} 	 		‘The Effect of Switching Barriers Types on Customer’.  		 			F Valenzuela 		.  	 	 		\textit{International Review of Business Research Papers}  		2012. 8  (1)  p. .  	 
\bibitem[Rober ()]{b59}\label{b59} 	 		‘The Effect of Switching Barriers Types on Customer Loyalty’.  		 			F Rober 		.  	 	 		\textit{International Review of Business Research Papers}  		2012. 8  (1)  p. .  	 
\bibitem[Kau and Loh ()]{b8}\label{b8} 	 		‘The effects of service recovery on consumer satisfaction: a comparison between complainants and non-complainants’.  		 			A Kau 		,  		 			E W Loh 		.  	 	 		\textit{Journal of Services Marketing}  		2006. 20  (2)  p. .  	 
\bibitem[Kau and Loh ()]{b9}\label{b9} 	 		‘The effects of service recovery on consumer satisfaction: a comparison between complainants and non-complainants’.  		 			A Kau 		,  		 			E W Loh 		.  	 	 		\textit{Journal of Services Marketing}  		2006. 20  (2)  p. .  	 
\bibitem[Shittu ()]{b61}\label{b61} 	 		\textit{The impact of electronic banking in Nigeria anking system},  		 			O Shittu 		.  		2010. Ogbomoso, Nigeria.  	 
\bibitem[Varki and Colgate ()]{b60}\label{b60} 	 		‘The Role of Price Perceptions in an Integrated Model of Behavioral Intentions’.  		 			Sajeev Varki 		,  		 			S Colgate 		,  		 			M 		.  	 	 		\textit{Journal of Service Research}  		2001. 3  (3)  p. .  	 
\bibitem[& A ()]{b7}\label{b7} 	 		‘The State of e-Banking Implementation in Nigeria: A Post-Consolidation Review’.  		 			K 		,  		 			AC 		,  		 			O 		,  		 			A J \& A 		,  		 			OA 		.  	 	 		\textit{Journal of Emerging Trends in Economics and Management Sciences}  		2010. 1  (1)  p. .  	 
\bibitem[Peterson ()]{b18}\label{b18} 	 		‘The Utilization of Ecological Themes in State and Local Government Tourism Magazine Commercials: An Assessment’.  		 			R T Peterson 		.  	 	 		\textit{Journal of Hospitality \& Leisure Marketing}  		2000. 6  (4)  p. .  	 
\bibitem[Peterson ()]{b57}\label{b57} 	 		‘The Utilization of Ecological Themes in State and Local Government Tourism Magazine Commercials: An Assessment’.  		 			R T Peterson 		.  	 	 		\textit{Journal of hospitality \& leisure marketing}  		2000. 6  (4)  p. .  	 
\bibitem[Jonesa et al. ()]{b51}\label{b51} 	 		‘Why customers stay: measuring the underlying dimensions of services switching costs and managing their differential strategic outcomes’.  		 			M A Jonesa 		,  		 			D L Mothersbaugh 		,  		 			S E Beatty 		.  	 	 		\textit{Journal of Business Research}  		2002. 55 p. .  	 
\bibitem[Isabelle and Bernard ()]{b49}\label{b49} 	 		‘«Friendly» complaining behaviors: toward a relational approach’.  		 			P Isabelle 		,  		 			P Bernard 		.  	 	 		\textit{Journal of Market-Focused Management}  		1999. 3  (3-4)  p. .  	 
\end{bibitemlist}
 			 		 	 
\end{document}
