Peer-Reviewed Article February 22, 2018
FACTORS INFLUENCING USAGE OF MOBILE BANKING SERVICES: THE CASE OF ILALA DISTRICT IN TANZANIA
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Published in: ORSEA Journal
Publisher: University of Dar es Salaam • Tanzania • 1821-7567
Abstract
The study assessed key factors that influence the usage of mobile banking services in Tanzania using TAM and transaction theory. A sample of 120 mobile phone users collected through a structured questionnaire was used. Descriptive, Pearson correlation and multiple regressions were employed for analysis. The study found that customers ' awareness and perceived ease of use have a significant positive influence while perceived risk and transaction cost have a significant negative influence on the usage of mobile banking services. Customers ' awareness and perceived ease of use have relatively greater influence on the usage of mobile banking services than perceived risk and transaction costs.