This study seeks to inspect the level of E-commerce within Pakistani microfinance companies and to empirically test the factors that affecting the successful implementation of E-commerce. The study also investigates how Pakistani microfinance companies’ benefit from the generous advantages created by such applications and avoid the barriers that hinder E-commerce implementation. Data was gathered using a questionnaire survey. The questionnaire was distributed to a sample of 250 senior employees and employees who carry managerial positions in microfinance companies in Pakistan. Multiple regression analysis (stepwise regression) was used to analyses the data. The study found that only 10 variables out of 12 have positive effect on E-commerce adoption. The most important influence was ease of use and access to the internet. The two unsupported variables involved employee’s skills and training and suppliers’ pressure. In addition, the most important benefit that encourage E-commerce adoption is found to be building trust with customers and the most important barrier that inhibit its adoption is found to be the lack of electronic payment systems.
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