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Rural customer electronic banking services adoption: experiences from NMB bank plc customers in rombo district, Tanzania

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dc.contributor.author Ninga, Edgar R.
dc.contributor.author Machimu, Gervas M.
dc.date.accessioned 2023-05-08T09:11:29Z
dc.date.available 2023-05-08T09:11:29Z
dc.date.issued 2021
dc.identifier.citation Ninga, E. R. & Machimu, G. M. (2021). Rural customer electronic banking services adoption: experiences from NMB bank plc customers in rombo district, Tanzania. Journal of Co-operative and Business Studies (JCBS). 132-141 en_US
dc.identifier.issn 2714-2043
dc.identifier.uri http://repository.mocu.ac.tz/xmlui/handle/123456789/340
dc.description.abstract Customer preference for e-banking is a contextual concept, and how it manifests itself varies from a person to person, product to product and service to service. A variety of psychological, economic, socio-demographic, physical and firm-related factors influence service selection and utilisation. Because of the differences that exist in societies, the determinants of customers' choice of e-banking services have been a source of contention. The issues of whether or not rural populations use available e-banking services, as well as the extent and who uses them require context-specific responses. This study specifically determined the proportion of customers’ adoption on electronic banking services; established factors that determine adoption of electronic banking services among NMB Bank Plc customers in Rombo District as well as the reasons for usage. A cross-sectional research design was employed and 282 respondents were reached through a survey questionnaire using convenience sampling technique. The qualitative data were analysed through content analysis while binary logistic regression was employed to establish the determinants of customers’ e-banking adoption. The study revealed that, among other things, that automatic teller machine cards were the most commonly used e-banking platform (91.8%) and credit cards were the least commonly used (1.2%) e-banking service. In general, e banking was used moderately (49.7%) in the study area. The regression results confirmed that age, education level, ethnicity, occupation and level of income were the strongest predictors of e-banking adoption. Moreover, the multiple response results indicated that convenience (26.4%), time savings (26.1%), and cost effectiveness (20.7%) were all likely factors in customers' decision to use e-banking services. Given the findings, it is suggested that banks, in partnership with the Government, take the lead role in promoting e-banking, safeguarding consumers' personal data, and charging appropriate costs to clients. en_US
dc.language.iso en en_US
dc.publisher JCBS en_US
dc.relation.ispartofseries Vol. 6;Issue 2
dc.subject Electronic Banking en_US
dc.subject Adoption and Customer en_US
dc.title Rural customer electronic banking services adoption: experiences from NMB bank plc customers in rombo district, Tanzania en_US
dc.type Article en_US


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