{"status":"ok","message-type":"work","message-version":"1.0.0","message":{"indexed":{"date-parts":[[2025,5,14]],"date-time":"2025-05-14T12:01:07Z","timestamp":1747224067078,"version":"3.40.5"},"reference-count":67,"publisher":"IGI Global","issue":"1","content-domain":{"domain":[],"crossmark-restriction":false},"short-container-title":[],"published-print":{"date-parts":[[2020,1]]},"abstract":"<jats:p>The study examines the intention to continue using mobile banking services among SMEs in Tanzania. The study extended the ECS-IS model by adding three variables: ease-of-use, perceived trust, and attitude to address the existing challenges in continuance usage of mobile banking services. Data was collected using a self-administered questionnaire from company's owners and managers. A total of 287 responses were used in data analysis. SEM technique was employed to evaluate the measurement and structural models. The study found that satisfaction and attitude have a direct influence on continuance usage of mobile banking among SMEs in Tanzania. Furthermore, confirmation, perceived trust, and perceived usefulness have an indirect effect on continuance usage of mobile banking services among SMEs. The study provides useful insights which could be used by mobile banking service providers to improve banking services delivered through mobile technology. Furthermore, the findings will assist scholars in understanding the antecedents which affect continuance usage of mobile banking services among SMEs.<\/jats:p>","DOI":"10.4018\/ijictrame.2020010103","type":"journal-article","created":{"date-parts":[[2019,12,23]],"date-time":"2019-12-23T11:06:07Z","timestamp":1577099167000},"page":"50-66","source":"Crossref","is-referenced-by-count":2,"title":["Continuance Usage of Mobile Banking Services Among Small and Medium Enterprises (SMEs) in Tanzania"],"prefix":"10.4018","volume":"9","author":[{"given":"Herman E.","family":"Mandari","sequence":"first","affiliation":[{"name":"The Institute of Finance Management, Dar es Salaam, Tanzania"}]},{"ORCID":"https:\/\/orcid.org\/0000-0002-4104-2704","authenticated-orcid":true,"given":"Daniel Ntabagi","family":"Koloseni","sequence":"additional","affiliation":[{"name":"The Institute of Finance Management, Dar es Salaam, Tanzania"}]},{"given":"Julius","family":"Macha","sequence":"additional","affiliation":[{"name":"The Institute of Finance Management, Dar es Salaam, Tanzania"}]}],"member":"2432","reference":[{"unstructured":"Ahad, M. T. (2014). Investigating a framework for providing mobile banking opportunities to rural SMEs in Bangladesh [Doctoral dissertation].","key":"IJICTRAME.2020010103-0"},{"doi-asserted-by":"publisher","key":"IJICTRAME.2020010103-1","DOI":"10.1016\/0749-5978(91)90020-T"},{"doi-asserted-by":"publisher","key":"IJICTRAME.2020010103-2","DOI":"10.1108\/IntR-05-2014-0146"},{"key":"IJICTRAME.2020010103-3","doi-asserted-by":"crossref","first-page":"28","DOI":"10.1016\/j.compedu.2014.08.006","article-title":"Understanding the MOOCs continuance: The role of openness and reputation.","volume":"80","author":"K. M.Alraimi","year":"2015","journal-title":"Computers & Education"},{"doi-asserted-by":"crossref","unstructured":"Arif, I., Afshan, S., & Sharif, A. (2016). Resistance to Mobile Banking Adoption in a Developing Country: Evidence from Modified TAM.Journal of Finance and Economics Research, 1(1), 25\u201342.","key":"IJICTRAME.2020010103-4","DOI":"10.20547\/jfer1601104"},{"year":"2011","author":"L.B\u00e5ngens","journal-title":"Mobile Money Transfers and usage among micro-and small businesses in Tanzania","key":"IJICTRAME.2020010103-5"},{"doi-asserted-by":"publisher","key":"IJICTRAME.2020010103-6","DOI":"10.5539\/ijms.v7n4p121"},{"doi-asserted-by":"publisher","key":"IJICTRAME.2020010103-7","DOI":"10.2307\/3250921"},{"doi-asserted-by":"publisher","key":"IJICTRAME.2020010103-8","DOI":"10.1037\/0033-2909.107.2.238"},{"doi-asserted-by":"crossref","unstructured":"Bentler, P M, & Bonett, D. G. (1980). Significance tests and goodness of fit in the analysis of covariance structures. Psychological Bulletin, 88(3), 588-606.","key":"IJICTRAME.2020010103-9","DOI":"10.1037\/0033-2909.88.3.588"},{"doi-asserted-by":"publisher","key":"IJICTRAME.2020010103-10","DOI":"10.2307\/3250921"},{"doi-asserted-by":"publisher","key":"IJICTRAME.2020010103-11","DOI":"10.1016\/S0167-9236(01)00111-7"},{"year":"2016","journal-title":"Mobile Transactions. Payment Systems Statistics","key":"IJICTRAME.2020010103-12"},{"year":"2009","author":"B. M.Byrne","journal-title":"Structural Equation Modeling with AMOS: Basic Concepts, Applications, and Programming","key":"IJICTRAME.2020010103-13"},{"issue":"1","key":"IJICTRAME.2020010103-14","first-page":"81","article-title":"The role of mobile money services on the growth of small and medium enterprises in Tanzania: Evidence from Kinondoni District in Dar es Salaam Region.","volume":"17","author":"P.Chale","year":"2015","journal-title":"Business Management Review"},{"doi-asserted-by":"publisher","key":"IJICTRAME.2020010103-15","DOI":"10.1016\/j.techfore.2014.03.012"},{"issue":"8","key":"IJICTRAME.2020010103-16","first-page":"119","article-title":"Determinants of Consumer Intention to Continue Using Table-Top Tablet Ordering Systems in Restaurant Businesses. International Journal of U-and e-Service","volume":"8","author":"Y.Chang","year":"2015","journal-title":"Science and Technology"},{"key":"IJICTRAME.2020010103-17","article-title":"Cannot Live without Facebook?\u202fAn Expectation Confirmation Model with the Moderating Effects of Narcissism.","author":"C.Chou","year":"2017","journal-title":"Pacific Asia Conference on Information Systems"},{"doi-asserted-by":"publisher","key":"IJICTRAME.2020010103-18","DOI":"10.1016\/j.chb.2016.07.047"},{"doi-asserted-by":"publisher","key":"IJICTRAME.2020010103-19","DOI":"10.1016\/j.ijhcs.2013.10.003"},{"doi-asserted-by":"crossref","unstructured":"Davis, D. (1989). Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology. MIS Quarterly, 319\u2013340.","key":"IJICTRAME.2020010103-20","DOI":"10.2307\/249008"},{"doi-asserted-by":"publisher","key":"IJICTRAME.2020010103-21","DOI":"10.1037\/1082-989X.2.3.292"},{"issue":"23","key":"IJICTRAME.2020010103-22","first-page":"165","article-title":"The relationships among service quality, trust, user satisfaction and post-adoption intentions in M-payment services.","volume":"5","author":"N.Dlodlo","year":"2014","journal-title":"Mediterranean Journal of Social Sciences"},{"doi-asserted-by":"publisher","key":"IJICTRAME.2020010103-23","DOI":"10.11648\/j.ajtas.20160501.11"},{"doi-asserted-by":"publisher","key":"IJICTRAME.2020010103-24","DOI":"10.1177\/002224378201900406"},{"doi-asserted-by":"publisher","key":"IJICTRAME.2020010103-25","DOI":"10.1177\/002224378101800313"},{"unstructured":"Hair, J. Black, W. C., Babin, B. J., & Anderson, R. E. (2010). Multivariate Data Analysis\u202f: Multivariate data analysis: A Global Perspective (7th ed). London, UK: Prentice-Hall.","key":"IJICTRAME.2020010103-26"},{"doi-asserted-by":"publisher","key":"IJICTRAME.2020010103-27","DOI":"10.2753\/MTP1069-6679190202"},{"doi-asserted-by":"publisher","key":"IJICTRAME.2020010103-28","DOI":"10.1287\/mnsc.40.4.440"},{"doi-asserted-by":"publisher","key":"IJICTRAME.2020010103-29","DOI":"10.1016\/j.dss.2006.03.009"},{"doi-asserted-by":"publisher","key":"IJICTRAME.2020010103-30","DOI":"10.1057\/palgrave.ejis.3000663"},{"doi-asserted-by":"publisher","key":"IJICTRAME.2020010103-31","DOI":"10.1016\/j.elerap.2014.11.003"},{"doi-asserted-by":"publisher","key":"IJICTRAME.2020010103-32","DOI":"10.1080\/10705519909540118"},{"doi-asserted-by":"publisher","key":"IJICTRAME.2020010103-33","DOI":"10.1016\/j.eswa.2010.07.107"},{"year":"2014","author":"B.Kones","journal-title":"Factors Influencing Use of Mobile Banking Among Small and Medium Enterprises in Nakuru Central Business District","key":"IJICTRAME.2020010103-34"},{"doi-asserted-by":"publisher","key":"IJICTRAME.2020010103-35","DOI":"10.1109\/TEM.2011.2179048"},{"doi-asserted-by":"publisher","key":"IJICTRAME.2020010103-36","DOI":"10.1057\/palgrave.fsm.4760077"},{"doi-asserted-by":"publisher","key":"IJICTRAME.2020010103-37","DOI":"10.1080\/10864415.2004.11044299"},{"doi-asserted-by":"publisher","key":"IJICTRAME.2020010103-38","DOI":"10.1016\/j.ijinfomgt.2009.03.004"},{"doi-asserted-by":"publisher","key":"IJICTRAME.2020010103-39","DOI":"10.1186\/s40691-017-0093-1"},{"doi-asserted-by":"publisher","key":"IJICTRAME.2020010103-40","DOI":"10.1016\/j.procs.2017.11.348"},{"doi-asserted-by":"publisher","key":"IJICTRAME.2020010103-41","DOI":"10.5121\/ijnsa.2014.6405"},{"doi-asserted-by":"publisher","key":"IJICTRAME.2020010103-42","DOI":"10.1080\/0144929X.2016.1203024"},{"unstructured":"Mwinyimvua, H. T. (2013). The Emergence of Mobile Banking and its Legal Implications in Tanzania.","key":"IJICTRAME.2020010103-43"},{"unstructured":"NBS. (2016). Statistical Business Register Report- 2014\/15.","key":"IJICTRAME.2020010103-44"},{"unstructured":"Ndiwalana, A., Morawczynski, O., & Popov, O. (2010). Mobile money use in Uganda: A preliminary study. In M4D 2010 (Vol. 121). Academic Press.","key":"IJICTRAME.2020010103-45"},{"doi-asserted-by":"publisher","key":"IJICTRAME.2020010103-46","DOI":"10.1016\/j.im.2007.06.003"},{"doi-asserted-by":"publisher","key":"IJICTRAME.2020010103-47","DOI":"10.9756\/BIJIEMS.4794"},{"doi-asserted-by":"publisher","key":"IJICTRAME.2020010103-48","DOI":"10.1016\/j.omega.2005.12.002"},{"doi-asserted-by":"publisher","key":"IJICTRAME.2020010103-49","DOI":"10.1504\/IJECRM.2017.086751"},{"key":"IJICTRAME.2020010103-50","doi-asserted-by":"crossref","DOI":"10.4324\/9781315749105","author":"R. E.Schumacker","year":"2015","journal-title":"A Beginner\u2019s Guide to Structural Equation Modeling"},{"doi-asserted-by":"publisher","key":"IJICTRAME.2020010103-51","DOI":"10.1016\/j.intcom.2010.05.001"},{"year":"2007","author":"B. G.Tabachnick","journal-title":"Using multivariate statistics (5th ed.)","key":"IJICTRAME.2020010103-52"},{"doi-asserted-by":"crossref","unstructured":"Tiwari, R., Buse, S., & Herstatt, C. (2006). Mobile Banking as Business Strategy\u202f: Impact of Mobile Technologies on Customer Behaviour and Its Implications for Banks. In PICMET 2006 Proceedings, Istanbul, Turkey (pp. 9\u201313). Academic Press.","key":"IJICTRAME.2020010103-53","DOI":"10.1109\/PICMET.2006.296770"},{"doi-asserted-by":"publisher","key":"IJICTRAME.2020010103-54","DOI":"10.1111\/j.1467-9302.2006.00517.x"},{"year":"2003","journal-title":"Small and Medium Enterprise Development Policy","key":"IJICTRAME.2020010103-55"},{"year":"2012","journal-title":"Micro, Small and Medium Enterprises in Tanzania, National Baseline Survey Report.","key":"IJICTRAME.2020010103-56"},{"doi-asserted-by":"publisher","key":"IJICTRAME.2020010103-57","DOI":"10.17705\/1atrr.00014"},{"doi-asserted-by":"publisher","key":"IJICTRAME.2020010103-58","DOI":"10.1287\/mnsc.46.2.186.11926"},{"doi-asserted-by":"publisher","key":"IJICTRAME.2020010103-59","DOI":"10.1111\/j.1540-5915.2002.tb01646.x"},{"doi-asserted-by":"publisher","key":"IJICTRAME.2020010103-60","DOI":"10.1080\/0144929X.2014.952778"},{"issue":"2","key":"IJICTRAME.2020010103-61","first-page":"8","article-title":"Modeling and Empirical Study of Users\u2019 Continuance Intention Toward Location Based Service.","volume":"11","author":"H. A. N.Yaojun","year":"2015","journal-title":"International Business and Management"},{"unstructured":"Yin, G., Cheng, X., & Zhu, L. (2011). Understanding continuance usage of social networking services: A theoretical model and empirical study of the Chinese context. Proceedings of the thirty Second International Conference on Information Systems, Shanghai (pp. 1\u201313). Academic Press.","key":"IJICTRAME.2020010103-62"},{"doi-asserted-by":"publisher","key":"IJICTRAME.2020010103-63","DOI":"10.1177\/0266666914522140"},{"doi-asserted-by":"publisher","key":"IJICTRAME.2020010103-64","DOI":"10.3390\/fi4020528"},{"issue":"3","key":"IJICTRAME.2020010103-65","first-page":"2001","article-title":"User satisfaction with mobile websites: The impact of perceived usefulness (PU), perceived ease of use (PEOU) and trust.","volume":"6","author":"X.Zhan","year":"2015","journal-title":"Nankai Business Review International"},{"doi-asserted-by":"publisher","key":"IJICTRAME.2020010103-66","DOI":"10.1504\/IJSTM.2014.068844"}],"container-title":["International Journal of ICT Research in Africa and the Middle East"],"original-title":[],"language":"en","link":[{"URL":"https:\/\/www.igi-global.com\/viewtitle.aspx?TitleId=245698","content-type":"unspecified","content-version":"vor","intended-application":"similarity-checking"}],"deposited":{"date-parts":[[2022,5,5]],"date-time":"2022-05-05T20:38:15Z","timestamp":1651783095000},"score":1,"resource":{"primary":{"URL":"http:\/\/services.igi-global.com\/resolvedoi\/resolve.aspx?doi=10.4018\/IJICTRAME.2020010103"}},"subtitle":[""],"short-title":[],"issued":{"date-parts":[[2020,1]]},"references-count":67,"journal-issue":{"issue":"1"},"URL":"https:\/\/doi.org\/10.4018\/ijictrame.2020010103","relation":{},"ISSN":["2472-3126","2472-3134"],"issn-type":[{"type":"print","value":"2472-3126"},{"type":"electronic","value":"2472-3134"}],"subject":[],"published":{"date-parts":[[2020,1]]}}}