Journal of Internet Banking and Commerce An open access Internet journal (http://www.arraydev.com/commerce/jibc/ ) Journal of Internet Banking and Commerce, April 2011, vol. 16, no.1 (http://www.arraydev.com/commerce/jibc/ ) Internet Banking in Pakistan: Finding Complexities Mohammed Ather Akhlaq Instructor, Institute of Business Management, Karachi, Pakistan Postal Address: Institute of Business Management, Korangi Creek, Karachi, Pakistan. Author's Personal/Organizational Website: www.iobm.edu.pk Email: ather.akhlaq@iobm.edu.pk Mohammed Ather Akhlaq, instructor in Mathematics and Computer Science, holds a Master’s degree in Computer Science from Institute of Business Management, IoBM, and is currently pursuing an M.Phil program. His research primarily focuses on MIS and technology. He had been a Senior Management Analyst at a multinational management and technology consultants company. Asadullah Shah, PhD Professor of Telecommunication Engineering and Head of the Department of Telecommunication Engineering & Management, Institute of Business Management, Karachi, Pakistan. Postal Address: Institute of Business Management, Korangi Creek, Karachi, Pakistan. Author's Personal/Organizational Website: www.iobm.edu.pk Email: asadullah.shah@iobm.edu.pk Dr. Shah has 44 research publications in International and national journals and conference proceedings. He has done his undergraduate degree in Electronics, Master’s degree in Computer Technology from the University of Sind, and PhD in Multimedia Communication, from the University of Surrey, England, UK. His areas of interest are multimedia compression techniques, research methodologies, speech packetization and statistical multiplexing. He has been teaching courses in the fields of electronics, computers, telecommunications and management sciences.