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Pakistan service sector is on a major technological up gradation drive and is adopting the international standards. The banking sector is the largest service providing sector in Pakistan. HBL (Habib Bank Limited) is Pakistan?s second largest bank with total assets of about Rs. 11.5 billion and a network of branches and over 300 ATMs (Automated Teller Machines). This research is conducted of 100 account holders of HBL in the Jamshoro district of Sindh Pakistan to find out the extent to which they are using the various services offered by the bank. Statistical tests are employed for the data analysis by using SPSS (Statistical Package for the Social Sciences). The logistic linear regressions models are used to anticipate the predicted variables. The model estimates that the conversion of Internet users to on line banking is about 30%.