RUAHA CATHOLIC UNIVERSITY

Low-income earners now have better access to a broad range of services owing to the widespread use of mobile phones, and mobile banking is one of these services. In several countries across Sub-Saharan Africa, particularly Tanzania, mobile banking is now a crucial means of financial inclusion. The determinants of mobile service consumption in Tanzania were investigated in this study, which focused on CRDB Bank customers in the Iringa Municipality. In particular, demographic, motivational, and personal variables were investigated for their influence on mobile banking usage. The study used a mix of research methods, with the quantitative approach dominating and the qualitative data being used to augment the quantitative data. Because the data collection, analysis, and interpretation were all done at the same time, the study used cross-sectional research. A questionnaire was also used to collect data from 100 CRDB bank customers in the Iringa Municipality. The information from key informants was gathered using the interview guide. Both descriptive (percentage, frequency, and mean) and inferential statistics were used to analyze the data (Regression and Correlation analysis). The findings imply that motivating factors (reliability, security, speed, responsiveness, and ease of use) and personal attributes (desire, social influence, experience, personal ambition, trust, and attitude) had a positive significant influence on mobile banking usage, while demographic factors including; age, gender, education, and marital status had a weak relationship with mobile banking usage. It is therefore recommended as per the study findings that banks should make additional efforts to guarantee that dependability, simplicity of use, responsiveness, and speed are improved.

Mobile banking, Customer, Usage