Journal Articles

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

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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.
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.
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.
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.
An Evaluation of Web Accessibility: The Context of Tanzanian Public Websites
(The African Journal of Finance and Management, 2014-12) Mandari, Herman
Inaccessible websites tend to present a big challenge to users, particularly in the electronic government era. Inaccessible websites tend to segregate disabled and other people from accessing online public contents. The Tanzania government is currently using electronic government strategy that involves the use of websites, among others, to disseminate public information and services to stakeholders. However, the issue of web accessibility has been given little attention. This study assessed the web accessibility status of 21 public websites under the auspices of Tanzania National Portal and Ministries by using WCAG 2.0 Level A conformance guideline. Manual and automatic evaluations were used to evaluate homepages for selected websites. A-checker and Cynthia-Says were used in the automatic evaluation process. The result shows that none of the evaluated websites homepage is accessible, yet with a variation in the inaccessibility levels. This study provides a more holistic understanding on the importance of web accessibility on public website, shades lights on various web accessibility guidelines, provides status of public websites in terms of web accessibility, and lastly gives recommendations for improvement to allow more people to access public web contents in Tanzania.
Gender and age differences in rural farmers’ intention to use m-government services
(Electronic Government, An International Journal, 2018) Mandari, Herman; Chong, Yee-Lee
The purpose of this study is to determine: (1) the direct effect of the innovation diffusion theory (IDT) constructs and government support on rural farmers’ behavioral intention to use m-government service; and (2) how different categories of age and gender in Tanzania rural areas could moderate the effect generated by IDT constructs and government support on respondents’ behavioral intention. Structural equation modeling (SEM) was employed to analyses 407 completed questionnaires. Relative advantage, ease-of-use, compatibility; and government support were found to be significant determinants of rural farmers’ behavioral intention. Age and gender were found to moderate the effects of relative advantage and ease-of-use on behavioral intention while gender could moderate the effect of compatibility on behavioral intention partially. Tactical suggestions to policy makers are given. In general, different strategies and policies could be used to increase different cohorts’ behavioral intention to use m-government service.
The Influence of Government Support and Awareness on M-Government Adoption in Rural Tanzania: The Mediating Role of Perceived Characteristics of Innovation
(Universiti Tunku Abdul Rahman, 2017-11) Mandari, Herman
Mobile government is considered to be the best solution in providing public services in developing countries. Tanzania, without exclusive has adopted m-government services to improve accessibility of public services particularly in rural areas. However, literature has shown that lack of awareness and inadequate government support limit the acceptance of m-government in rural areas. This implies that it is difficult for the government and rural citizens to realize the potential of m-government if the current situation persists. Furthermore, literature has revealed that no evidence of any empirical behavioral study has examined factors influencing rural farmers’ behavioral intention to adopt m-government services in Tanzania. Therefore, this study fills the existing gap by conducting an empirical behavioral study that examines factors which motivate rural farmers to adopt m-government services. The study extended Innovation Diffusion Theory (IDT) with government support and awareness to examine the rural farmers’ behavioral intention to adopt m-government services. The study employed stratification and multi-stage sampling techniques with simple random sampling to select units of interest. A survey was conducted by using Drop Off / Pick Up method to collect 407 valid and reliable responses. Structural equation modeling was employed to test and confirm the study’s hypotheses. The findings show that government support, relative advantage, ease-of-use, compatibility, result demonstrability, and visibility have direct and positive significant influence on rural farmers’ behavioral intention to adopt m-government services. Furthermore, the findings indicate that awareness has indirect and positive significant effect on rural farmers’ behavioral intention through relative advantage, ease-of-use, compatibility, and visibility. The study expands the existing scholars’ knowledge on adoption of m-government services in Tanzania and other developing countries. It provides useful implications for policy makers to increase the adoption of m-government in rural areas.
The influence of government support and awareness on rural farmers' intention to adopt mobile government services in Tanzania
(Journal of Systems and Information Technology, 2017) Mandari, Herman; Chong, Yee-Lee; Wye, Chung-Khain
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.
Why Mobile Money Users Keep Increasing? Investigating the Continuance Usage of Mobile Money Services in Tanzania
(International Information Management Association, 2017) Koloseni, Daniel; Mandari, Herman
This study examined factors that affect continuance usage of mobile money services in Tanzania. The Theory of Planned Behavior was adopted as a theoretical foundation of the study. The theory was further extended by including the constructs of perceived cost, perceived trust and satisfaction as determinants of mobile money service continuance usage behaviour. A total of 309 valid and reliable responses collected using questionnaires were used for data analysis. The data were analysed using Structural Equation Modeling (SEM) approach. The findings depict that perceived trust, attitude and perceived behavioral control have significant influence on continuance behavioral intention while perceived trust, satisfaction and continuance behavioral intention have significant influence on continuance usage behavior. The study provides a number of useful implications for scholars and policy makers which could be used to enhance and provide sustainable mobile money services to users.
Why Mobile Money Users Keep Increasing? Investigating the Continuance Usage of Mobile Money Services in Tanzania
(Journal of International Technology and Information Management, 2017) Koloseni, Daniel; Mandari, Herman
This study examined factors that affect continuance usage of mobile money services in Tanzania. The Theory of Planned Behavior was adopted as a theoretical foundation of the study. The theory was further extended by including the constructs of perceived cost, perceived trust and satisfaction as determinants of mobile money service continuance usage behaviour. A total of 309 valid and reliable responses collected using questionnaires were used for data analysis. The data were analysed using Structural Equation Modeling (SEM) approach. The findings depict that perceived trust, attitude and perceived behavioral control have significant influence on continuance behavioral intention while perceived trust, satisfaction and continuance behavioral intention have significant influence on continuance usage behavior. The study provides a number of useful implications for scholars and policy makers which could be used to enhance and provide sustainable mobile money services to users.

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