Threat Assessment in Using Mobile Devices in Accessing Banking Services in Tanzania:

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.