Continuance Usage of Mobile Banking Services Among Small and Medium Enterprises (SMEs) in Tanzania

Mandari, Herman; Koloseni, Daniel; Macha, Julius J.

doi:10.4018/ijictrame.2020010103

Cited by 6 publications

(10 citation statements)

References 47 publications

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“…So, the SMEs have a small reference whenever they may need relevant information concerning mobile banking employment and the rate of success in Palestine. In Palestine, the major barriers to mobile banking continuance usage by small-sized enterprises include technology complexity, privacy and the service (Mandari et al , 2019).…”

Section: Literature Reviewmentioning

confidence: 99%

Factors influencing Palestinian small and medium enterprises intention to adopt mobile banking

Mujahed

Ahmed

Samikon

2021

JSTPM

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Purpose This paper aims to examine the determinant factors that influence the adoption of mobile banking by small and medium enterprises (SMEs) in Palestine. The aim of this paper has supported with the objectives to identify the role of mobile banking practices in enhancing sustainable growth and development of Palestine SMEs; determining the factors that influencing the SMEs as a service and products providers’ intention to adopt mobile banking and proposing a conceptual model for adoption mobile banking development by SMEs sectors in Palestine Design/methodology/approach Hypotheses were developed guided by the technology organisation-environment (TOE) model. The primary data was collected from 408 SMEs in Palestine using questionnaires and 8 interviews. Findings The empirical results are based on partial least squares analysis and statistical package for the social sciences. The findings presented in this paper reveal that SMEs factors, enabling environment and business model are the main determinant factors affecting the intention to adopt mobile banking by the SMEs sector in Palestine. Practical implications The main contribution of this study is the concise identification of the obstacles and facilitators to SMEs’ mobile banking, especially in developing countries. A suggestion for further study was made. The findings could be useful to policymakers, government institutions and agencies especially in Palestine and other development partners in designing and directing their policy intervention. Originality/value This study contributes significantly to the theoretical understanding of mobile banking through the development of a mobile banking framework for the SMEs’ sector in Palestine. A major contribution of this study is to the existing knowledge and literature in mobile banking by developing a TOE framework for providers (supply-side) factors in general and in particular in Palestine to fill the gaps in past studies.

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Section: Literature Reviewmentioning

confidence: 99%

Factors influencing Palestinian small and medium enterprises intention to adopt mobile banking

Mujahed

Ahmed

Samikon

2021

JSTPM

View full text Add to dashboard Cite

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“…Therefore, continuous usage of m-banking by the customers has been the subject of researchers and practitioners. These scholars (Shankar et al , 2020; Thusia and Maduku, 2020; Foroughi et al , 2019; Yu et al , 2018; Rezvani et al , 2017; Yuan et al , 2016) use various information system (IS) theories to examine the factors that might contribute the most to retain the m-banking customers who already used it, for instance, expectancy conformation theory (ECT) (Singh, 2020; Mandari et al , 2020), DeLone and McLean IS (D&M IS) (Sharma and Sharma, 2019), trust transfer theory (Yuan et al , 2019; Yu et al , 2018), social impact theory (Handarkho, 2020), technology acceptance model (TAM) (Asnakew, 2020) and technology continuance theory by including the self-efficacy and channel preference (Foroughi et al , 2019).…”

Section: Introductionmentioning

confidence: 99%

Service quality and self-determination theory towards continuance usage intention of mobile banking

Inan

Hidayanto

Juita

et al. 2021

JSTPM

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Purpose This research set out to investigate the quality service and self-determination theory (SDT) that contributes to the continuance usage of m-banking. Design/methodology/approach A valid of 310 respondents who experienced and intensified using the m-banking is collected. The proposed research model is empirically tested using structural equation modelling. Findings The result informs that the service quality can not only be significantly mediated by the SDT, but it also has a direct effect to the satisfaction. It also informs that the satisfaction and the perceived usefulness indeed have a significant effect to the continuance usage intention of the m-banking. In addition, it also demonstrates that the perceived competence and perceived relatedness of the SDT significantly influence satisfaction and perceived usefulness towards the continuance usage intention of the m-banking. Practical implications Practically, the results inform the bank management the factors to be taken into account to increase the motivation of the existing customers for them to continue using the m-banking. Originality/value Theoretically, these results contribute to the existing literatures of the m-banking by introducing the SDT that determines the continuance usage intention of it.

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“…Understanding customer acceptance and usage of technology innovation requires an emphasis on the technical aspects and the social aspects (Yeh, 2019). Although numerous studies (Mandari, Koloseni & Macha, 2020;Koloseni & Mandari, 2017;Lema, 2017;Lubua & Semlambo, 2017;Abdinoor & Mbamba, 2017) have been conducted on individuals and institutions in Tanzania regarding the factors that influence customer acceptance of mobile money services. However, very little research attention has been given to the use of mobile money service interoperability.…”

Section: Statement Of the Problemmentioning

confidence: 99%

Investigating Users' Acceptance of Mobile Money Services Interoperability: A Case Study of Tanzania

Mswahili¹

2021

IJAERS

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Using mobile phones for financial transactions has been on a sharp increase globally and in Tanzania in particular. The introduction of mobile money interoperability allows customers to undertake money transfers across different telecom mobile money accounts and bank accounts. This study aimed to find out factors that may influence the acceptance and successful use of mobile money services interoperability that are tailored to banking and unbanked users' intention by integrating three globally accepted theories; DeLone and McLean information system success model (D&M), The Technology Acceptance Model (TAM) and The Task-Technology Fit (TTF) Theory. The study hypotheses were empirically tested using data from 447 mobile money users from both telecom and banks. Data were analysed using the correlation and regression technique. This study found that approximately 81.5% of the dependent variable, which is interoperability of mobile money services was accounted for by the regression analysis and therefore can strongly be explained very well by independent variables which are Perceived Ease of Use; price value; Network Availability; Security and Trust; Service quality; Task Characteristics. This study's findings provide valuable understandings for formulating effective strategies concerning financial inclusion to mobile money service providers, governments, and other stakeholders and expand the existing customer base to mobile money service providers. Moreover, this study's results will provide the basis for further refinement of technology acceptance and success models in the emerging mobile money service domain. I. INTRODUCTIONToday, mobile phones can be used as a means of communication and the means of financial inclusion in most low-income countries. 65% of adults in the world's poorest economies still lack access to even the most basic transaction account that would allow them to send and receive payments more safely and efficiently (Pazarbasioglu et al., 2020). The mobile phone has made mobile money services possible and now reaches millions of unbanked low-income populations in developing countries, especially in rural areas (GSMA, 2019; Demirguc-Kant et al., 2018). According to UNCTAD (2019), mobile money has improved financial inclusion, making it easier, real-time insight at a lower cost, cheaper and safer to transfer money, and paying for goods and services. By the end of 2019, 5.2 billion people subscribed to mobile services, accounting for 67% of the global population, and forecasted that in 2023 more than $1 trillion will be transacted via mobile platforms annually, with over $2.8 billion a day (GSMA, 2020). Evidence shows that there are over 1.04 billion registered mobile money accounts worldwide, of which 469 million are from Sub-Saharan Africa. There are 229 live mobile money deployments in 95 countries transacting US dollars 40.8 billion processing over US dollars 1.9 billion per day globally (GSMA, 2019). Tanzania has experienced explosive growth in the use of mobile money since the

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Continuance Usage of Mobile Banking Services Among Small and Medium Enterprises (SMEs) in Tanzania

Cited by 6 publications

References 47 publications

Factors influencing Palestinian small and medium enterprises intention to adopt mobile banking

Factors influencing Palestinian small and medium enterprises intention to adopt mobile banking

Service quality and self-determination theory towards continuance usage intention of mobile banking

Investigating Users' Acceptance of Mobile Money Services Interoperability: A Case Study of Tanzania

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