An Overview of Legal & Institutional Response to Cybercrimes in Tanzania: Legal & Institutional Challenges on Combating Cybercrimes on Mobile Money Transfer & Payments; Case Study Dar-Es Salaam City.

Shulla, Greenson Jerald (2013) An Overview of Legal & Institutional Response to Cybercrimes in Tanzania: Legal & Institutional Challenges on Combating Cybercrimes on Mobile Money Transfer & Payments; Case Study Dar-Es Salaam City. Masters thesis, The Open University Of Tanzania.

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Abstract

Mobile money transfer and payments via mobile phone device has emerged as a significant substitute platform of undertaking financial transactions against the traditional conventional banks and internet. The study aimed to examine the clarity, adequacy and effectiveness of the current Laws and institutional Framework on response the challenges posed by related computer crimes involved in the platform, addressing problems facing customer, banks, mobile operators and public in general and proposed a suitable legal and institution framework that will be adequate and accommodate technologies changes. The study found that, there is a substantial amount of literature on cybercrimes Laws generally, however there is a death of Literature on mobile money transfer and payments services via mobile phone issues. The research conducted through qualitative method in order to collect information on the following methods; interview, observation and questionnaires. A total of 40 respondents were involved during research; magistrates court, public Prosecutors, police officers, banks staff and others. The researcher found out that in spite of having laws and institutional frameworks that dealing with IT, Telecommunications and Financial transactions in Tanzania, still has inadequacy and effective on legal framework, lack of skills and capability of staffs to investigate and prosecute cyber cases. The researcher recommended that, since the mobile money transfer and payments have proved to be an important financial transaction to unbanked and rural areas, it is a right time for the government to enact new laws and restructure its institutions so as to protect the interest of the stakeholder within the platform.

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