Examination of Factors Influencing the Intention to Use Mobile Payment in Tanzania: A Case of Bukoba Municipal Council.

Innocent, Brasio (2025) Examination of Factors Influencing the Intention to Use Mobile Payment in Tanzania: A Case of Bukoba Municipal Council. Masters thesis, The Open University of Tanzania.

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Abstract

The study examined the factors influencing the intention to use mobile payment in Tanzania: a case on Bukoba Municipal Council. Specifically, it examined the influence of contextual factors and demographic factors on the usage of mobile payment in Tanzania and explored the challenges facing customers facing when using mobile payment. The study used 110 respondents in Bukopa Municipal Council, Kagera sampled using Simple Random Sampling Questionnaire and structured interview tools were used to collection data, and analyzed using Descriptive statistics and inferential statistics. The results of the findings revealed the factors influencing mobile payment, performance expectancy, effort expectancy, social influence, facilitating conditions, and perceived risk. Analysis showed these predictors explained only 5% of the variance in adoption intentions, with none having a significant impact. However, demographic factors such as age and education were significant, with younger and more educated individuals more likely to adopt mobile payments. The study also, showed that mobile payment was challenged by issues with mobile money agents, lack of understanding of the technology, language barriers, and inadequate access due to insufficient national identification and uneven distribution of agents. The study recommended enhancing agent training, improving user education, and addressing regulatory and identification challenges to facilitate broader adoption and better service accessibility. The implications of this study underscore the need for targeted interventions to boost mobile payment adoption in Tanzania. For mobile payment service providers, it is vital to focus on the younger and more educated segments of the population, as they demonstrate a higher propensity to use these services. Keywords: Performance Expectancy, Effort Expectancy, Social Influence, Facilitating Conditions.

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