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The main objective of the study was to investigate the factors affecting the usage of EBanking Banking in Tanzania. The study specifically aimed at identifying E-Banking
products/services offered at CRDB Bank Plc, exploring the role of E-Banking on
improving banking services provisions at CRDB Bank Plc, examined how Knowledge,
Perceived usefulness, Technology, Organizational readiness, Reliability Security
affect the use of Electronic Banking at CRDB Bank Plc and examining challenges on
the implementation of E-Banking at CRDB Bank Plc. The study used both primary
and secondary data sources. Methods of data collection included questionnaires and
interviews. Secondary data methods included the use of literatures and other
documents.
Findings from the study revealed that there are various E-Banking products/services
offered at CRDB Bank Plc. These included Electronic Fund Transfers (EFT),
Debit/Credit Card Purchase Transactions, Mobile Banking and Internet Banking. It
was also revealed that Electronic Banking plays a greater role towards improving
banking services provisions at CRDB Bank Plc. Furthermore, Electronic Banking has
made easily accessible to financial services.
Furthermore, the study found that Knowledge, Perceived usefulness, Technology,
Organizational readiness, Reliability Security were the most factors that affect the use
of Electronic Banking at CRDB Bank Plc. Finally, the study found that there are
various challenges on the implementation of Electronic Banking. These include
legislative Framework inappropriate, convertibility of electronic, Security codes
control challenges and Traditional Market Mechanism.
The study recommended that for efficient implementation of E-Banking uses of paper
and coin notes should be discouraged, the use of electronic cash, smart cards come in
place for effecting various transactions. Also, E-Banking should be featured into the
laws governing it, as such will ensure the bankers and customers of their status, rights
and obligation over the use of such technologies. |
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