Abstract:
This study was carried out to investigate factors influencing the effective use of e-payment
systems in Tanzania focusing on extending the UTAUT2 model. The study was pushed by the
fact that e-payment systems were seen to have great advantages in the world but the pace at
which Tanzania uses and enjoys the benefits were seen to be very slow. This made the
researcher question its effectiveness. The descriptive research design was used and both
primary and secondary data were collected. A total of 89 respondents from commercial banks
administered a questionnaire that allowed descriptive analysis to be conducted on the
collected data. Findings revealed that performance expectancy has a negative effect while
effort expectancy and facilitating conditions have a positive effect, the level of performance
expectancy, effort expectancy, and facilitating conditions was low moderate. Finally, the study
recommends that the government should properly regulate the systems by making laws and
policies that will guide its operations.
