John, Elizeus Kalugendo
(2018)
The Influence of Mobile Money
Services Usage on Small and Medium Enterprises Operations in Tanzania.
["eprint_fieldopt_thesis_type_phd" not defined] thesis, The Open University of Tanzania.
Abstract
The study aimed at finding out the influence of Mobile Money Services (MMS) usage
on small and medium enterprises (SMEs) operationsin Tanzania. In line with this
broad objective, the study specifically aimed at carrying out investigations on the
following aspects: (i) the influence of perceived usefulness of mobile money services
in supportingSMEs Operations. (ii) The influence of perceived trust on mobile money
services usage in supportingSMEs Operations; and (iii) the influence of perceived
risks associated with the use of mobile money services bySMEs Operations. To
achieve the three objectives, positivism paradigm aligned with quantitative research
approach was adopted. Data were collected using a structured questionnaire that was
administered to a sample of 372 SMEs operators inMwanza, Dar es Salaam, and
Mtwara. The findings using structural equation modelling on SPSS AMOS version 22
revealed that, Perceived Usefulness andPerceived Riskon MMS usage are significant
in influencingSMEs Operationswhile Perceived Trust on MMS were found to be
insignificant. This study concludes that Perceived Usefulness on MMS (Increase
Profitability, Improve Financial Services and Perceived Ease of Use) andPerceived
Risk on MMS(Financial Risk and Performance Risk) have significance influence on
SME business operation. This study recommended that SMEs should be encouragedto
use MMS in business operation particularly the services, which fit well in their
business operations; Mobile Service providers should make sure that risks are
minimized. Additionally, the Government should develop and formulate a policy,
which would help to scale up the uptake of MMS usage by assuring mobile
infrastructure, technological knowledge and affordable transaction cost onMMS usage
to enhance SMEs operations in Tanzania.
Actions (login required)
 |
View Item |