The significant contribution of the study is to develop or construct a model that fulfils the perceived Performance Expectancy of customers in the context of Acceptance of E-Banking. The data was gathered through the development and testing of a questionnaire, and subsequent collection from a convenience sample. With the help of Google Docs, a survey was designed with a five-point Likert Scale. Twenty-five experts in their fields examined the study. A total of 640 unique users of m-bank applications were in total. The research hypotheses were tested by both CFA and SEM utilizing SPSS Amos version 26. The analysis outcomes established the significant influence of all the variables, alongside the considerable impact of the moderating variables except Presumed Charges. The model and research offer a banking management strategy for value-added services, which involves reprogramming Banking or E-Banking applications and advertising them to disseminate integrated information to customers. The model is suggested as an inventive extension of research on E-Banking customers. However, the investigation contributed novel knowledge and perceptions to the current frame of literature by endorsing the feasibility of the model.
*Corresponding author: Correspondence: rabiabutt.gcwus.edu.pk@gmail.com
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