Hence it is critical that Pakistan’s financial industry adopts an appropriate organizational model that supports a customer-centric approach and reengineers business processes to exploit technology to derive economies of scale and create cost efficiencies. The use of ATMs and e-banking products is gaining currency and almost all banks have established networking of their ATMs with the interconnectivity of switches.
Better outreach offered by ATMs will enhance the customer base and offer more alternatives and choices to customers. Further development on e-banking and internet banking will open up new avenues like on-line banking. Among others, the relatively smaller size banks will be able to compete with the large banks and retain their market presence by using technology more effectively.