Browsing by Author "Erick, Clearence"

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    Customer perceptions on E-Banking in Tanzania: A case of selected commercial bank in Dar es salaam
    (Mzumbe University, 2015) Erick, Clearence
    The purpose of the study was to examine the customer perceptions on E-banking in commercial banks. The study was guided by three specific objectives are; to identify Customers’ perceptions on benefits of E-banking, to identify Customers’ perceptions on risks associated with E-banking and to identify Customer suggestions of how to mitigate the risks associated with E-banking. The researcher used both open ended and closed ended questionnaires to gather primary data from 184 customers of CRDB bank, NBC bank, NMB bank, DCB bank and TPB bank in Dar es salaam. SPSS was used to analyse mean scores of customers perceptions and frequency was used to analyse customer suggestions of measures to mitigate risks associated with E-banking. The findings showed that customers’ perceptions on benefits of E-banking were the driving force of customer involvement is E-banking products. This was the reason why customer perceptions on risks associated with E-banking could not totally restrict customers from using E-banking products. However, Commercial Banks should not take it for granted to have customers using E-banking products, instead customers opinion should be worked upon which empahsize on netework/internet stability and security issues. It is recommended that Commercial Banks and public sector through private public partnership (PPP) should work hard to improve network/internet stability so that wide area and local area networks will be stabilized and made available throughout the country. Another recommendation is that E-banking services should be made cheaper and cheaper in terms of less or no customer service charges, minimized transaction charges and limited possibility of loss in terms of any mistaken transaction.