Journal Articles

Permanent URI for this collectionhttp://dspace.ifm.ac.tz/handle/123456789/96

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Browsing Journal Articles by Author "Koloseni, Daniel Ntabagi"

Now showing 1 - 5 of 5
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    Biometric Authentication in Financial Institutions: The intention of Banks to Adopt Biometric Powered ATM
    (Advances in Computer Science: an International Journal (ACSIJ), 2016-07) Mandari, Herman; Koloseni, Daniel Ntabagi
    The main purpose of this study was to assess the intention of banks to adopt biometric powered ATMs in Tanzania’s financial sector. The study adopted Electronic Data interchange (EDI) model and extended it by introducing perceived risks in order to address the issue of risk which is mostly considered as the main barrier in implementing various technologies. The study used a sample of 47 banks, using ATM in Tanzania, and a multiple respondent’s technique was used to collect 102 valid responses. Multiple regression analysis was used to analyze the data; the empirical result shows that external pressure and perceived benefit are positively influencing the adoption of biometric powered ATM while perceived risk has negative influence. However, organization readiness was found to be insignificant in this study. This study has provided a more holistic understanding on the factors affecting adoption of biometric powered ATM which may enable various banks managers to adopt and implement biometric powered ATMs in Tanzania’s financial sector.
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    Continuance Usage of Mobile Banking Services Among Small and Medium Enterprises (SMEs) in Tanzania
    (International Journal of ICT Research in Africa and the Middle East, 2020-06) Mandari, Herman; Koloseni, Daniel Ntabagi
    The study examines the intention to continue using mobile banking services among SMEs in Tanzania. The study extended the ECS-IS model by adding three variables: ease-of-use, perceived trust, and attitude to address the existing challenges in continuance usage of mobile banking services. Data was collected using a self-administered questionnaire from company’s owners and managers. A total of 287 responses were used in data analysis. SEM technique was employed to evaluate the measurement and structural models. The study found that satisfaction and attitude have a direct influence on continuance usage of mobile banking among SMEs in Tanzania. Furthermore, confirmation, perceived trust, and perceived usefulness have an indirect effect on continuance usage of mobile banking services among SMEs. The study provides useful insights which could be used by mobile banking service providers to improve banking services delivered through mobile technology. Furthermore, the findings will assist scholars in understanding the antecedents which affect continuance usage of mobile banking services among SMEs.
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    Electronic Fiscal Device (EFD) acceptance for tax compliance among trading business community in Tanzania: the role of awareness and trust
    (International Journal of Economics, Commerce and Management, 2017-03) Mandari, Herman; Koloseni, Daniel Ntabagi
    This study investigates factors, which motivates taxpayers to accept Electronic Fiscal Device (EFD) for tax collection. The study extended the Unified Theory of Acceptance and Technology Use (UTAUT) to study taxpayers’ intent to use and acceptance of EFD. Purposive sampling technique was employed to collect a total of 253 valid responses from taxpayers in service sector. Structural equation modeling (SEM) results indicates that awareness is the key influencing factor on taxpayers’ acceptance of accept EFD, while facilitating conditions and intention to use EFD were key determinant factors for taxpayers’ EFD actual usage behavior. To increase acceptance of EFD, policy makers should provide more awareness campaign as well as providing online assistance to EFD users.
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    Evaluating Social Media Utilization on the Implementation of E-Government Goals in Tanzania
    (Journal of African Research in Business & Technology, 2016-12-21) Mandari, Herman; Koloseni, Daniel Ntabagi
    The study examines the intention to continue using mobile banking services among SMEs in Tanzania. The study extended the ECS-IS model by adding three variables: ease-of-use, perceived trust, and attitude to address the existing challenges in continuance usage of mobile banking services. Data was collected using a self-administered questionnaire from company’s owners and managers. A total of 287 responses were used in data analysis. SEM technique was employed to evaluate the measurement and structural models. The study found that satisfaction and attitude have a direct influence on continuance usage of mobile banking among SMEs in Tanzania. Furthermore, confirmation, perceived trust, and perceived usefulness have an indirect effect on continuance usage of mobile banking services among SMEs. The study provides useful insights which could be used by mobile banking service providers to improve banking services delivered through mobile technology. Furthermore, the findings will assist scholars in understanding the antecedents which affect continuance usage of mobile banking services among SMEs.
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    The Role of Personal Traits and Learner’s Perceptions on the Adoption of E-learning Systems in Higher Learning Institutions
    (The African Journal of Finance and Management, 2017-01) Koloseni, Daniel Ntabagi; Mandari, Herman
    This paper investigates the role of personal traits and learner’s perceptions through the lens of Technology Readiness Index (TRI) and Unified Theory of Acceptance and Use of Technology (UTAUT). Data were collected using questionnaire from students in six (6) higher learning institutions in Tanzania. Data analysis employed a structural equation modelling (SEM) technique. The study found that optimism, and discomfort constructs have an influence on effort expectancy and performance expectancy of e-learning systems, while insecurity has an influence on effort expectancy only. Furthermore, the study found that effort expectancy and social influence have positive influence on intention to adopt e-learning systems, while intention to adopt e-learning systems has significant relationship with actual usage of the systems. The study recommends higher learning institutions to develop e-learning policies that focus on improving effort expectancy, awareness of the benefits of elearning systems, encouraging social pressure and behavioral intention to lure more students to adopt e-learning systems. These policies should also take into account a leaner’s personal traits such as optimism, discomfort and insecurity to make them effective.