The influence of the ease of use and perceived usefulness to the adoption of mobile money services in SMEs in Tanzania

Abstract

This paper evaluated the influence of the ease of use and the perceived usefulness to the adoption of mobile money services by SMEs in Dar es Salaam, Tanzania. In the  process, the following key factors were studied: the perceived relevance of the cost  involved, the perceived financial benefit, the comfortability with transaction steps, the  quality of user support, and the intention to use mobile money services. The relevance of the paper is justified through the literature where there are limited literature on the impact of the ease of use and perceived usefulness to the adoption of mobile money services by SME owners. Furthermore, the study is used advanced quantitative  approach to ensure no influence from the researcher to the research process. Moreover, the survey research method was the basis of the study. Generally, the perceived financial benefit, the comfortability with transaction steps and the quality of user  support influence the intention to use mobile money services by SME owners.

Keywords: Mobile Money, Mobile Wallet, mobile banking, SMEs, Tanzania