期刊名称：Journal of Entrepreneurship, Management and Innovation
印刷版ISSN：2299-7075
电子版ISSN：2299-7326
出版年度：2020
卷号：16
期号：2
DOI：10.7341/20201627
语种：English
出版社：Nowy Sacz Business School National-Louis University
摘要：The main goal of this study was to examine the influence of demographic factors on the adoption of innovative mobile banking services in Tanzania. It utilized Rogers’ Diffusion of Innovation Theory (DIT) to ascertain the importance of situation-based demographic factors. A survey was conducted with 416 customers of a leading bank in Tanzania. The study applied self-administered questionnaires completed by the respondents who had agreed to participate. The data were analyzed using a combination of descriptive and multivariate analyses. The descriptive results revealed that the majority of respondents used mobile banking once to three times a week to check their balance, download a mini-statement, pay different bills, transfer funds from their account to a mobile telecom network, and buy airtime. The regression results further showed a positive and significant relationship between level of income and education attainment on the one hand and the adoption of mobile banking on the other. The study argues that promotional practices and awareness-raising campaigns are needed to capture the demographic profiles of customers in order to encourage them to adopt mobile banking. Theoretically, the study has shown the relevance of applying the situation-based theory to the adoption of innovative technologies as regards banking services in Tanzania. It also broadens our understanding of the importance of demographic factors that have received little attention from the dominant socio-psychological theories.
其他摘要：Głównym celem tych badań było zbadanie wpływu czynników demograficznych na przyjęcie innowacyjnych usług bankowości mobilnej w Tanzanii. Wykorzystano teorię dyfuzji innowacji Rogersa (DIT), aby ustalić znaczenie czynników demograficznych zależnych od sytu
