CUSTOMERS' PERCEPTIONS ON BANKS' CYBERSECURITY AND THEIR USE OF MOBILE BANKING SERVICES IN TANZANIA
In this contemporary era, mobile banking services enable customers to organise and accomplish cashless financial transactions using mobile devices. However, the general state of banks' cybersecurity systems significantly impacts the usage of banking services offered through mobile networks amo...
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| Format: | Article |
| Language: | English |
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Universiti Utara Malaysia
2025-07-01
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| Series: | The International Journal of Banking and Finance |
| Subjects: | |
| Online Access: | https://e-journal.uum.edu.my/index.php/ijbf/article/view/22455 |
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| author | Emmanuel L Mkilia Jones Kaleshu Alfred S. Sife |
| author_facet | Emmanuel L Mkilia Jones Kaleshu Alfred S. Sife |
| author_sort | Emmanuel L Mkilia |
| collection | DOAJ |
| description |
In this contemporary era, mobile banking services enable customers to organise and accomplish cashless financial transactions using mobile devices. However, the general state of banks' cybersecurity systems significantly impacts the usage of banking services offered through mobile networks among customers. The analysis was performed to assess how customers perceive the cybersecurity systems of banks and their association with mobile banking usage. By adopting a cross-sectional research design under the guidance of the Unified Theory of Acceptance and Use of Technology (UTAUT), the Partial least squares structural equation modelling (PLS-SEM) analysis reveals that banks' cybersecurity systems' performance expectancy had a significant positive impact on the use of mobile banking services. Further, banks' cybersecurity systems' effort expectancy, significant others' comments and facilitating conditions significantly and positively influence bank customers to use mobile banking. Aligning with these findings, banks and financial institutions should prioritise and strengthen cybersecurity systems and simplify mobile banking processes for enhanced mobile banking adoption and usage among bank customers.
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| format | Article |
| id | doaj-art-dca590c4957b409486364f186447ed0e |
| institution | DOAJ |
| issn | 2811-3799 2590-423X |
| language | English |
| publishDate | 2025-07-01 |
| publisher | Universiti Utara Malaysia |
| record_format | Article |
| series | The International Journal of Banking and Finance |
| spelling | doaj-art-dca590c4957b409486364f186447ed0e2025-08-20T02:54:59ZengUniversiti Utara MalaysiaThe International Journal of Banking and Finance2811-37992590-423X2025-07-0120210.32890/ijbf2025.20.2.3CUSTOMERS' PERCEPTIONS ON BANKS' CYBERSECURITY AND THEIR USE OF MOBILE BANKING SERVICES IN TANZANIAEmmanuel L Mkilia0Jones Kaleshu1Alfred S. Sife2Department of Banking Accounting and Finance Moshi Co-operative University (MoCU), TanzaniaDepartment of Banking Accounting and Finance Moshi Co-operative University (MoCU), TanzaniaDepartment of Knowledge Management Moshi Co-operative University (MoCU), Tanzania In this contemporary era, mobile banking services enable customers to organise and accomplish cashless financial transactions using mobile devices. However, the general state of banks' cybersecurity systems significantly impacts the usage of banking services offered through mobile networks among customers. The analysis was performed to assess how customers perceive the cybersecurity systems of banks and their association with mobile banking usage. By adopting a cross-sectional research design under the guidance of the Unified Theory of Acceptance and Use of Technology (UTAUT), the Partial least squares structural equation modelling (PLS-SEM) analysis reveals that banks' cybersecurity systems' performance expectancy had a significant positive impact on the use of mobile banking services. Further, banks' cybersecurity systems' effort expectancy, significant others' comments and facilitating conditions significantly and positively influence bank customers to use mobile banking. Aligning with these findings, banks and financial institutions should prioritise and strengthen cybersecurity systems and simplify mobile banking processes for enhanced mobile banking adoption and usage among bank customers. https://e-journal.uum.edu.my/index.php/ijbf/article/view/22455Cybersecurity systemsUTAUTmobile bankingPLS-SEM |
| spellingShingle | Emmanuel L Mkilia Jones Kaleshu Alfred S. Sife CUSTOMERS' PERCEPTIONS ON BANKS' CYBERSECURITY AND THEIR USE OF MOBILE BANKING SERVICES IN TANZANIA The International Journal of Banking and Finance Cybersecurity systems UTAUT mobile banking PLS-SEM |
| title | CUSTOMERS' PERCEPTIONS ON BANKS' CYBERSECURITY AND THEIR USE OF MOBILE BANKING SERVICES IN TANZANIA |
| title_full | CUSTOMERS' PERCEPTIONS ON BANKS' CYBERSECURITY AND THEIR USE OF MOBILE BANKING SERVICES IN TANZANIA |
| title_fullStr | CUSTOMERS' PERCEPTIONS ON BANKS' CYBERSECURITY AND THEIR USE OF MOBILE BANKING SERVICES IN TANZANIA |
| title_full_unstemmed | CUSTOMERS' PERCEPTIONS ON BANKS' CYBERSECURITY AND THEIR USE OF MOBILE BANKING SERVICES IN TANZANIA |
| title_short | CUSTOMERS' PERCEPTIONS ON BANKS' CYBERSECURITY AND THEIR USE OF MOBILE BANKING SERVICES IN TANZANIA |
| title_sort | customers perceptions on banks cybersecurity and their use of mobile banking services in tanzania |
| topic | Cybersecurity systems UTAUT mobile banking PLS-SEM |
| url | https://e-journal.uum.edu.my/index.php/ijbf/article/view/22455 |
| work_keys_str_mv | AT emmanuellmkilia customersperceptionsonbankscybersecurityandtheiruseofmobilebankingservicesintanzania AT joneskaleshu customersperceptionsonbankscybersecurityandtheiruseofmobilebankingservicesintanzania AT alfredssife customersperceptionsonbankscybersecurityandtheiruseofmobilebankingservicesintanzania |