Mutagwaba, Doreen D.2024-07-042024-07-042019APAhttps://scholar.mzumbe.ac.tz/handle/123456789/937A dissertation submitted to the Faculty of Law in partial fulfillment of the requirements for the Master of Laws Degree (L.L.M - CL) of the Mzumbe University.This dissertation attempted to make an analysis on the effectiveness of the legal frameworks governing mobile money transaction services in Tanzania. It observed the law and practice on how consumers are protected towards availability and the use of such services in our country. In that regard, it focused on challenges of implementation of the existing laws and regulations on the mobile payments as a newly introduced payment system that is reaching a large number of banked and unbanked. This study was guided by its objective and attempted to assess the effectiveness of the regulatory framework in place in the protection of consumers of mobile money transactions. Questions were formulated that guided through in obtaining the necessary information relating to the problem. In obtaining such data the methodology employed was descriptive research design. The collection of primary data was done using methods of questionnaire and interview where as for the secondary data the method used was documentary review. The study revealed that the use of mobile phones in making money transactions is a technology that is widely adopted and preferred by the majority of people in making several transactions. The consumers of such services face several challenges in the mode of the services mostly being loss of money in their mobile money accounts. It is from the data collected from the field where the researcher makes conclusions and makes recommendations on how the consumers of mobile money services may be protected.enConsumer ProtectionMobile Transactions-TanzaniaMobile money services-lawLegal frameworks-money transactionsE-payments lawsThesis