Browsing by Author "Sangali, Samwel John"

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    E-banking and its relationship to customer’s perceived usefulness: A case of commercial banks in Morogoro municipality
    (Mzumbe University, 2018) Sangali, Samwel John
    The study was about e-banking and its relationship customers perceived usefulness in Tanzania taking commercial banks at Morogoro Municipality as the case study. It was aimed at assessing the impact of e-banking adoption by commercial banks and customer’s perceived usefulness while addressing factors determining customer’s adoption of e-banking and challenges of using e-banking by customers. One twenty-one respondents were sampled using a non-probability sampling technique. The study employed a survey research design to reveal the necessary and required data to answer the research questions. Questionnaires were used to collect data from different respondents who were then analyzed through factor analysis. Using factor analysis, the variables were reduced from 36 variables only to 16 variables The results of the findings from factor analysis showed that; reasonable fees and charges, convenience (time and location), social influence and transaction speed were the factors which determine customer’s adoption of e-banking. Perceived ease of use and expected user involvement were the factors for customer’s perception of e-banking adoption by commercial banks. Also, transparency in fees and charges, system security and network availability were the challenges facing customers when musing e-banking. The results obtained from the study have implications for the management of the commercial banks and their customers as well. The researcher therefore recommends that commercial banks should improve awareness to customers on some of the e-banking product like internet banking, likewise commercial banks should increase the number of e-banking product in order to reduce congestion on banking premises, also commercial banks should improve technical assistance for e-banking users and lastly e-banking facilities should be placed at many locations as much as possible.