Digital banking is referred to as an application that allows customers to bank essentially at any convenient time and any place irrespective of geographical location. Digital banking has been seen as one of the most value-added application and vital mobile service available. However, to evaluate the efficiency and performance of these applications with regards to Fintech, seldom measures have been taken in Pakistan. In this regard, Mishal Pakistan in collaboration with its partners Agahi Foundation and Academy of Responsibilities is conducting a major exercise of the main business drivers to evaluate of these applications that contribute towards the evolution of digital banking in Fintech arena

Digital banking application is increasingly recognized as a dignified resource to become the giant in Fintech arena. However, prominent usability evaluation models for digital banking applications are too general and do not adequately capture the complexities of interacting with m-banking application platform. Similarly, there are no sufficient descriptions concerning the relationship between phases and appropriate usability measures for a specific application.

In this regard, acceptability to use any product depends largely upon the full satisfaction of customers and this can only be attained based on the simplicity and ease of use of such product Usability evaluations comprise of a number of activities, which includes planning a task which mirror the future use of the system determining a method or process to be used for the evaluation and deciding what is the nature of data to collect and how to collect it.  To this extend, measuring the interface functionality, rewarding relationship, innovation, caring customer and Aesthetic class,  is important and essential which will surely capture the efficiency, effectiveness and accuracy of the application interface and will give customers full confidence easy of mind and satisfaction. Therefore, in order to know whether the application is usable and user can achieve his or her objective with minimal effort, the usability of such application need to be measured with appropriate dimensions and criteria. Our evaluation criteria is largely based on the following areas: