Dissertations (Masters)-MKT-SOB

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Browsing Dissertations (Masters)-MKT-SOB by Subject "Consumer awareness of E-banking"

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    An assessment of consumer awareness and usage of e-banking transactions through mobile phones: A case of VODACOM Tanzania limited
    (2014) Mohamed,Eginga
    A study was conducted to assess consumer awareness and usage of e-banking transactions through mobile phones using a case of Vodacom Tanzania limited. The specific objectives of this study were to; identify factors influencing the adoption intention of e-banking transactions through mobile phones, identify attitudes towards usage intention of e-banking transactions through mobile phones, identify barriers on usage intention of e-banking transactions through mobile phones and suggest measures that should be instituted to improve the situation. The study adopted case study design; purposive sampling and simple random sampling were used to select respondents. Questionnaires and interview were used in data collection and a sample size of 55 respondents was used in the study. Findings revealed that 36%, 18% and 24% of respondents identified benefits, self-efficacy and ease of use respectively as key factors influencing the adoption intention of e-banking transactions. Findings also revealed that 45% and 27% of interviewed respondents identified perceived usefulness and perceived ease of use respectively as key attitudes towards usage intention of e-banking transactions through mobile phones. Moreover, the findings revealed that 42% and 25% of interviewed respondents identified insufficient understanding of the services and technical issues as the key barriers on usage intention of e-banking transactions through mobile phones. The study concluded that, benefits, self-efficacy, and ease of use exert significant influences on consumers’ perception towards e-payment. Also, attitude is the major determinant of mobile banking adoption intention, perceived usefulness and perceived ease of use from the technology acceptance model influence usage of e-banking transactions. Similarly, with the recent and forecasted high growth of electronic banking, it has the potential to develop into a world-scale internet economy which has potential barriers that requires examination. Henceforward, the study recommends that, Policy makers and service providers should have an advanced knowledge since it has provided information on the current state of e-banking acceptance and use, particularly among Tanzanians as they develop strategies directed at increasing e-banking acceptance and use. Service providers should educate consumers through demonstrations and training in order to better equip them to master e-banking transactions in mobile banking systems so as to mitigate barriers on usage intention of e-banking transactions through mobile phones. Service providers should promote the use of mobile banking services to enhance e-banking transactions.