Challenges Facing the Adoption of Online Banking Services in Tanzania
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Date
2026-08-12
Authors
Mwidege, Asheri
Chuwa, Gasper
Journal Title
Journal ISSN
Volume Title
Publisher
Aditum
Abstract
Time is a fragile resource and a central variable to economic activities. Thus,
Banks in Tanzania adopted online banking services so as to save time and
energy. However, little information was available on the challenges facing
customers on the online adoption of online banking services. A qualitative
research design and stratified sampling technique were used to select a
sample of 80 customers using a questionnaire in cross-sectional data
collection. Data were analyzed using descriptive statistics from the SPSS
program. Results showed that customers’ adoption was due to awareness,
accessibility and ease of use. Though, failure to adoption was due to online
cybercrime and transaction cost. Thus, it was concluded that awareness,
accessibility and ease of use influenced online banking while cybercrime and
transaction cost influenced the dis-adoption. Therefore, the study
recommended that banks should use the free trial and reduce costs for first-
time customers.
Description
This article was published by Aditum
Keywords
online banking, cybercrime, adoption, customers, dis-adoption