Factors influencing consumers’ adoption of mobile financial services in Tanzania

This study aimed at assessing consumers’ adoption of mobile financial services in Tanzania using Technology Acceptance Model. The study had the following objectives, to assess the individual awareness of mobile financial services; perceived usefulness; perceived benefits; and costs effects on adopti...

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Autores principales:	Amina Abdinoor, Ulingeta O.L. Mbamba
Formato:	article
Lenguaje:	EN
Publicado:	Taylor & Francis Group 2017
Materias:	mobile financial services regression analysis consumers’ adoption Business HF5001-6182 Management. Industrial management HD28-70
Acceso en línea:	https://doaj.org/article/decde69d43924384988b87d0c1e0d007
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spelling	oai:doaj.org-article:decde69d43924384988b87d0c1e0d0072021-12-02T14:35:47ZFactors influencing consumers’ adoption of mobile financial services in Tanzania2331-197510.1080/23311975.2017.1392273https://doaj.org/article/decde69d43924384988b87d0c1e0d0072017-01-01T00:00:00Zhttp://dx.doi.org/10.1080/23311975.2017.1392273https://doaj.org/toc/2331-1975This study aimed at assessing consumers’ adoption of mobile financial services in Tanzania using Technology Acceptance Model. The study had the following objectives, to assess the individual awareness of mobile financial services; perceived usefulness; perceived benefits; and costs effects on adoption of mobile financial services. Random sampling technique was employed to select the sample for data collection. Two hundred participants were selected randomly from Dar es Salaam region particularly Kinondoni District. The sample included the users and non-users of mobile financial services. The study used primary data and regression model. The findings of this study show that mobile financial service adoption is positively related to individual awareness, perceived usefulness and perceived benefit but it is negative related to cost effects. Nevertheless, the study showed that demographic characteristics of respondents (sex, age and income level) are among the factors moderating adoption of mobile financial services. From the findings, this study highlights recommendation that service providers need to play a leading role in influencing individual awareness, perceived usefulness, and perceived benefit of mobile banking. However, cost effect has been found as one of the barrier to the intention to adopt mobile financial services in Tanzania. Service providers should consider affordability and availability of the financial services for the low-income segment in the society. These results can be extended to any developing country.Amina AbdinoorUlingeta O.L. MbambaTaylor & Francis Grouparticlemobile financial servicesregression analysisconsumers’ adoptionBusinessHF5001-6182Management. Industrial managementHD28-70ENCogent Business & Management, Vol 4, Iss 1 (2017)
institution	DOAJ
collection	DOAJ
language	EN
topic	mobile financial services regression analysis consumers’ adoption Business HF5001-6182 Management. Industrial management HD28-70
spellingShingle	mobile financial services regression analysis consumers’ adoption Business HF5001-6182 Management. Industrial management HD28-70 Amina Abdinoor Ulingeta O.L. Mbamba Factors influencing consumers’ adoption of mobile financial services in Tanzania
description	This study aimed at assessing consumers’ adoption of mobile financial services in Tanzania using Technology Acceptance Model. The study had the following objectives, to assess the individual awareness of mobile financial services; perceived usefulness; perceived benefits; and costs effects on adoption of mobile financial services. Random sampling technique was employed to select the sample for data collection. Two hundred participants were selected randomly from Dar es Salaam region particularly Kinondoni District. The sample included the users and non-users of mobile financial services. The study used primary data and regression model. The findings of this study show that mobile financial service adoption is positively related to individual awareness, perceived usefulness and perceived benefit but it is negative related to cost effects. Nevertheless, the study showed that demographic characteristics of respondents (sex, age and income level) are among the factors moderating adoption of mobile financial services. From the findings, this study highlights recommendation that service providers need to play a leading role in influencing individual awareness, perceived usefulness, and perceived benefit of mobile banking. However, cost effect has been found as one of the barrier to the intention to adopt mobile financial services in Tanzania. Service providers should consider affordability and availability of the financial services for the low-income segment in the society. These results can be extended to any developing country.
format	article
author	Amina Abdinoor Ulingeta O.L. Mbamba
author_facet	Amina Abdinoor Ulingeta O.L. Mbamba
author_sort	Amina Abdinoor
title	Factors influencing consumers’ adoption of mobile financial services in Tanzania
title_short	Factors influencing consumers’ adoption of mobile financial services in Tanzania
title_full	Factors influencing consumers’ adoption of mobile financial services in Tanzania
title_fullStr	Factors influencing consumers’ adoption of mobile financial services in Tanzania
title_full_unstemmed	Factors influencing consumers’ adoption of mobile financial services in Tanzania
title_sort	factors influencing consumers’ adoption of mobile financial services in tanzania
publisher	Taylor & Francis Group
publishDate	2017
url	https://doaj.org/article/decde69d43924384988b87d0c1e0d007
work_keys_str_mv	AT aminaabdinoor factorsinfluencingconsumersadoptionofmobilefinancialservicesintanzania AT ulingetaolmbamba factorsinfluencingconsumersadoptionofmobilefinancialservicesintanzania
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Factors influencing consumers’ adoption of mobile financial services in Tanzania

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