Abstract:
Mobile Money transfer is gaining popularity in rural areas, where people are struggling for necessities
of life. This research analysed the determinant factors for Mobile Money Transfer service adoption in the
rural communities in Moshi District. The objectives of the study were to describe social and economic
characteristics of MMTs users in Moshi district, to determine the factors for MMT services adoption in
Moshi district and to examine the adoption of MMT services in the MMTs users in Moshi district. The
study adopted the cross-sectional research design. The study sample comprised of 130 Mobile Money
Transfer service users from four wards in Moshi district, who were selected by using convenience
sampling technique. The data gathered were analysed using descriptive analysis and principal
components analysis. Research findings reveals that; perceived ease of use, security of MMT services,
accessibility of services, compatibility of service providers and convenience of MMT services were
critical determinant factors influencing rural communities' in adopting Mobile Money Transfer services
in Moshi district with Eigenvalues greater than I and the total variance of 69.49%. The research concludes
that Convenience of the service, security from MMT service providers, accessibility of the service,
compatibility of service agents and ease of use of service determinants of MMT services adoption in the
rural communities in Moshi district. In order to enhance MMT services in Moshi district, the research
recommend that determinant factors for MMT services adoption in rural communities in Moshi district
should be enhanced.
