eBanking and iBanking are the buzzwords among internet-savvy population of the world. It is happening not only in the advanced countries but also in the developing states like Pakistan. This is because on one hand the Information and Communication Technologies have become accessible both in terms of availability and prices and on the other hand due to the emergence of local Information technology professionals equipped with knowledge and command over the leading-edge technologies. However, research on the implementation of Information technology in the banking sector reports that the process is not automatic rather requires multi-disciplinary treatment with keeping the issues of customer acceptance on top. The customers of every state and city are different not only because of getting different eBanking digital facilities (digital-divide) but also due to the fact that every customer is demographically different from others. This research is about the effects of demographics on Customer Acceptance in Pakistan. The literature from developed states and developing states, including Pakistan has been analyzed to understand the problem and to develop a research model for testing in the native environment.