RUAHA CATHOLIC UNIVERSITY

This chapter focused on analyzing determinants of mobile money adoption among SMEs in the tourism sector. Survey design was used where stratified sampling technique was used to ensure representativeness of the sample from Arusha, Dar es Salaam and Unguja. Thereafter, simple random sampling was used to draw a sample of 328 respondents. The findings of the study, based on using structural equation modeling revealed that internal pressures and facilitating conditions significance influence mobile money services adoption while external pressure were found to have insignificant contribution. This chapter concluded that facilitating conditions specifically compatibility, expertise and regulatory framework, and the internal pressure such as employee, managers and owners’ pressure have a significant influence on SMEs in adopting mobile Money. This study recommended that for SMEs to effectively adopt mobile money, vendors and government must develop the mobile money and regulatory framework which fit well to SMEs daily operations.

Mobile Money, Tourist Enterprises, SMEs