Factors that Influence the Intention to Adopt Electronic Banking in Small and Medium Enterprises in Tanzania. A Case of Kariakoo Market.

Mlaki, Mildred Andrew (2022) Factors that Influence the Intention to Adopt Electronic Banking in Small and Medium Enterprises in Tanzania. A Case of Kariakoo Market. Masters thesis, The Open University of Tanzania.

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Abstract

Using a case study of some selected SMEs in the Kariakoo market in Ilala Municipal Dar es Salaam, this study examines factors that influence the intention to adopt electronic banking in small and medium enterprises in Tanzania.The study's goals were to determine the impact on electronic banking adoption in small and medium businesses, the impact of perceived behavioural control on electronic banking adoption in small and medium businesses, and the impact of subjective norms on electronic banking adoption in small and medium businesses at Kariakoo market.This study adopted a descriptive research design. The sample size was 98 SMEs, with a 95% confidence level.Techniques of random sampling were applied.Data was collected using well-organized questionnaires and SPSS was used to gather, validate, tabulate, and analyze the data obtained. Based on the findings, the study concluded that Visual Efficacy, Visual Efficacy, and Visual Security Risk have a significant impact on a person's intention to adopt e-banking. And the attitude greatly influenced one's intention to accept e-banking. the study revealed that self-employment and conditions that facilitate the formation of tangible behavior have a significant impact on a person’s intention to use e-banking. The study, therefore, concluded that controlling perceived behavior had a significant impact on a person's intention to accept electronic banking.Furthermore, compliance standards have a significant impact on a person's willingness to accept e-banking.According to the report, financial institutions that provide e-banking services should concentrate on e-banking services and features for users.Users should be able to complete banking chores more quickly and conveniently keeptheir financial records with the help of useful features. Institutions should also consider how current and potential consumers perceive the ease of use of the e-banking system. Keywords:E-banking,Adoption, innovation, SMEs and System

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