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Benefits and Challenges of Mobile Banking usage in National Microfinance Bank Dodoma, Tanzania

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dc.creator Mashenene, Robert Galan
dc.creator Mkende, Emily
dc.date 2019-04-17T10:43:37Z
dc.date 2019-04-17T10:43:37Z
dc.date 2019-01
dc.date.accessioned 2022-10-20T08:35:05Z
dc.date.available 2022-10-20T08:35:05Z
dc.identifier Robert Galan Mashenene and Emily Mkende (2019), Paper Title: Benefits and Challenges of Mobile Banking usage in National Microfinance Bank Dodoma, Tanzania. Business Education Journal (BEJ),
dc.identifier http://dspace.cbe.ac.tz:8080/xmlui/handle/123456789/163
dc.identifier.uri http://hdl.handle.net/123456789/79227
dc.description This study examined perceived benefits and challenges of Mobile Phone Banking usage in the National Microfinance Bank (NMB) Dodoma, Tanzania. A cross-sectional design was used in which questionnaire was administered to 85 MPB customers and management team. Purposive and convenience followed by systematic sampling techniques were used to select respondents. NMB reports were reviewed in order to extract secondary data. The findings reveal a significant difference (p < 0.01) in transaction costs between MPB and ATM/traditional banking. Findings reveal that MPB has resulted into several perceived benefits to NMB customers including 24 hours availability, ease of use, high security, reduced queues, cheap, multiple services and transferability. Accordingly, network failure, theft of fund transferred, delay of fund delivery and reconciliation are challenges facing MPB usage. The study recommends to the NMB management that more promotional effort is required in order to attract new customers who are not subscribed to MPB. Also, Tanzania Communications Regulatory Authority (TCRA) needs to improve the stability of networks and enact laws against theft cases via MPB.
dc.format application/pdf
dc.language en
dc.publisher College of Business Education (CBE)
dc.relation Volume 2;Issue No: 2
dc.subject Perceived Benefits, Challenges, Mobile Phone Banking, National Microfinance Bank, Tanzania.
dc.title Benefits and Challenges of Mobile Banking usage in National Microfinance Bank Dodoma, Tanzania
dc.type Article


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