Abstract:
The study assessed threat assessment in using mobile devices in accessing banking services in
Tanzania. It was guided by three predicting variables tested on banking services access as the
dependent variable namely operational efficiency, security enhancement and information clarity.
The study was performed using explanatory study design whereas causality relationship was
conducted to generate new knowledge on the inquired subject. Data were collected from People’s
Bank of Zanzibar (PBZ) through employees using structured questionnaires from the sample of 81
participants. The data were assembled and grouped altogether such that were computed in SPSS
version 23.0 for the generation of relevant statistical tests to present the results of the study. On
top of that, descriptive statistics were generated to show the demographic features of the
respondents on the banking employees in Tanzanian context. Besides that, correlation and
multiple regression analysis were also used to show the existing relationship between study
variables in filling the inquiry gap. Study results were evident that all three independent variables
namely operational efficiency, security enhancement and information clarity have all been
revealed positive with significant effect on banking services access as the dependent variable.
This therefore implies that banking services access through threat assessment in Tanzania
banking sector is influenced with operational efficiency, security enhancement and information
clarity.
