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Sources of Data

Secondary source: - Most of the secondary data is collected from different published papers and from different websites on which relevant data is available. As on this area we don't have sufficient data available specifically for Peshawar, so I could only estimate/assume it from the whole Pakistan.

Primary source:-primary data will be collected through survey forms from both customers and employees of the banks as well as researcher will take interviews from managers of the banks.

Sample size: - My target are the customers and employees of the banks in Peshawar but its too difficult to take interviews and fill survey forms from all of customers and bank staff, so researcher will be taking a sample size of hundred (100) which include sixty-five (65) customers and thirty-five (35) employees of the banks in Peshawar as well as five (5) interviews from managers of the banks in Peshawar.

Inclusion criteria: - persons who has an account in any of the bank in Peshawar area and has understanding of consumer banking will be included and employees who are currently on services in banks of Peshawar.

Tools to be used: - I will be using two tools for taking information.

Survey forms/questionnaires

Interviews

Study plan:-

Chapter- II of the research is based on the literature review (secondary data) and industry overview which will give the researcher a base of the consumer banking industry in the Pakistan, consumer banking products and services offering by the local and foreign banks and their comparison and a short introduction of few banks.

Chapter - III of the research will be the research methodology, which consists of sample size, population, and technique of the research and tools for data analysis.

Chapter - IV of the research is all about analysis and findings from the data which the researcher collected from the customers and employees of the banks.

Chapter - V of the research will give recommendation and conclusion on the basis of the research findings and analysis.

Literature review

Consumer financing has extended in Pakistan at an extraordinary speed over most recent seven years. Banks earned record income within the generous room for credit rule provided by the SBP. The important matter in consumer financing from national economy and individual consumers point of view is, that Pakistan has the maximum interest pace spread in the world. While result of Consumer Right Commission of Pakistan analysis with situation to auto loan, it showed that the proportion of respondents whose request for car financing were discarded is higher (24%) than the borrowers who are at present availing car financing facility (14%). Also the report highlight the difficulty of credit card users, that 47 percent respondent complained that without any information providing to us they renovate in the plan of charges, and 11.3 percent respondents which suffers because of hidden charges.[1]

Fast expansion in consumer banking range of the banking sector in current years has generated an ensuing dispute. The general opinion is that consumer finance has created troubles for less financially educated customers. In Pakistani banking sector it is new trend, while two key banks take an initiate in introducing credit cards in