Challenges Facing the Adoption of Online Banking Services in Tanzania
| dc.contributor.author | Mwidege, Asheri | |
| dc.contributor.author | Chuwa, Gasper | |
| dc.date.accessioned | 2026-08-27T07:13:25Z | |
| dc.date.issued | 2026-08-12 | |
| dc.description | This article was published by Aditum | |
| dc.description.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. | |
| dc.description.sponsorship | MUST | |
| dc.identifier.uri | https://repository.must.ac.tz/handle/123456789/655 | |
| dc.language.iso | en_US | |
| dc.publisher | Aditum | |
| dc.subject | online banking | |
| dc.subject | cybercrime | |
| dc.subject | adoption | |
| dc.subject | customers | |
| dc.subject | dis-adoption | |
| dc.title | Challenges Facing the Adoption of Online Banking Services in Tanzania | |
| dc.type | Article |