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Cyber Security Dynamics and Usage of Mobile Banking Services Among Commercial Bank Customers in Tanzania

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dc.contributor.author Mkilia, Emmanuel L.
dc.contributor.author Kaleshu, Jones
dc.contributor.author Sife, Alfred S.
dc.date.accessioned 2024-08-27T05:36:52Z
dc.date.available 2024-08-27T05:36:52Z
dc.date.issued 2023
dc.identifier.uri http://repository.mocu.ac.tz/xmlui/handle/123456789/1395
dc.description.abstract Recent developments in the banking sector have greatly improved bank customers' access to and use of banking services. However, such development in the industry is subjected to various risks, causing mistrust of the banking infrastructures among its users. Using the Extended Parallel Process Model (EPPM) and Trust Theory, this paper aims to examine cyber security dynamics that affect commercial customers' decisions to use mobile banking services in Tanzania. By adopting a cross-sectional research design and Partial least squares structural equation modelling (PLS-SEM), this study found that customers' self-assessment, customers' decision to take risks and customers' confidence in Automated Teller Machines (ATM) applications have a positive and significant effect on mobile banking services usage. Moreover, the findings indicate that access to passwords has a negative significant relationship with mobile banking services usage. The influence of customers' trust in mobile phone applications was conformed insignificant towards mobile banking services usage. Based on these findings, a positive evaluation of the potential cyber risks and security measures enhances customers' trust and confidence when adopting and utilising mobile banking services. Thus, customers should be aware and carefully consider possible risks associated with mobile banking and adopt a sensible approach to cybersecurity while taking proactive measures to help protect their financial information. en_US
dc.language.iso en en_US
dc.publisher Moshi Co-operative University en_US
dc.subject Cyber-Security en_US
dc.subject Risks en_US
dc.subject Mobile en_US
dc.subject Banking en_US
dc.subject PLS-SEM en_US
dc.title Cyber Security Dynamics and Usage of Mobile Banking Services Among Commercial Bank Customers in Tanzania en_US
dc.type Article en_US


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