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The Main Objective of this study is to identify factors hindering the adaptation of
internet banking by Tanzania banking customer in Kinondoni District Council, and
the specific objective was to determinethe extent of using internet banking by
Tanzania banking customers, to determine factors influencing the adaptation of
internet banking by Tanzania banking customers and lastly to determine the factors
hindering the adaptation of internet banking by Tanzania banking customers.
The concept and meaning of electronic banking has been deeply discussed in chapter
two through reviewing the literature. Conceptual frame work and hypothesis has
been developed in this chapter in relation to the objectives of the study and literature
review.
The study applies non-probability sampling and two type of non-probability
sampling were used, the first one is convenience sample so as we can invite
customers to take part in the study and another one is self-selection sample, used
purposely to get volunteers to take part in the study. A sampling frame was generated
basing on the study area and a sample of 100 respondents used as simple size. Also
the nature of the data collected, collection method and analysis method all of this are
explained in chapter three.
Chapter four present the findings in the form of table and figures, also analysis has
been doneusing simple statistical analysis as the study only aimed at identifying
challenges and not evaluating their effect.It was revealed that among the factors
hindering adoption of internet banking included literacy level of bank customers, fear
of using ICT, cyber-crime. Therefore the study generally recommends that,Banks in
Tanzania should announce the features of electronic banking services to create a
positive attitude among its customers toward electronic banking services and they
should increasing the customers' awareness of the usefulness of using electronic
banking services through advertising and long term customer services parallel with
ensure the security of their money. |
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