Purpose: The purpose of this paper is examining how financial inclusion can be enhanced in rural and remote areas in emerging economies through the adoption of Financial technologies. The study examines the direct influence of technological characteristics, facilitating conditions, trust and perceived risk on adoption of FinTech. Furthermore, the study examines the mediating effects of facilitating conditions and moderating effects of education level in adoption of FinTech.Design/methodology/approach: The study employed quantitative research design. Stratified and simple random sampling were employed to identify areas in which respondents will be collected. Drop and Pick method was further employed to collect 275 valid and reliable responses. Structural equation modeling was used to analyze the data and assess the reliability and validity of the measurement model. Structural model analysis was employed to examine the hypothesized relationship.Findings: The results show that compatibility, complexity agent trust, perceived risk and facilitating have significant influence on adoption of FinTech. Furthermore, the findings show that facilitating conditions mediate the relationship between all technological characteristics and FinTech adoption except the relationship between compatibility and FinTech. The study also has found that education level moderates the relationship between observability and FinTech adoption as well as trialability and FinTech adoption.Research limitations/implications: This study employed cross-sectional research-based techniques in collecting data for analyzing the hypothesized relationship. However, the drawback of cross-sectional may impact the findings of this study over a long time. Therefore, future studies must consider conducting longitudinal studies which may collect data over some time for analysis of the FinTech adoption. Furthermore, the generalization of these findings should be considered carefully by other countries which are not economically similar to Tanzania and developed countries. This also provides room for future studies to examine the same area in countries with different economic development.Originality/value: This study contributes to knowledge into two folds: First there is limited knowledge on adoption of FinTech in emerging economies; the study addresses the knowledge gap by providing empirical findings which will help scholar. Furthermore, less studies have examined the moderating effects of facilitating condition in adoption of technology. This study addresses the knowledge gap by examining the moderating influence of moderating influence of facilitating conditions. Also, this study provides empirical findings which will help policymakers to implement strategy that will speed-up financial inclusion in rural and isolated areas in emerging economies.

This study examined factors that affect continuance usage of mobile money services in Tanzania. The Theory of Planned Behavior was adopted as a theoretical foundation of the study. The theory was further extended by including the constructs of perceived cost, perceived trust and satisfaction as determinants of mobile money service continuance usage behaviour. A total of 309 valid and reliable responses collected using questionnaires were used for data analysis. The data were analysed using Structural Equation Modeling (SEM) approach. The findings depict that perceived trust, attitude and perceived behavioral control have significant influence on continuance behavioral intention while perceived trust, satisfaction and continuance behavioral intention have significant influence on continuance usage behavior. The study provides a number of useful implications for scholars and policy makers which could be used to enhance and provide sustainable mobile money services to users.

System success is considered to be an important element in accomplishing the goals of the organization; therefore evaluation of system success needs to be done in order to ensure that investment in Information System is successful. Most of Higher Learning Institutions (HLIs) in Tanzania have adopted the use of IS in providing service to their customers. Nevertheless, there is less evidence that system success evaluation has been done in order to identify the desired characteristics which could make IS more effective. Due to that, this study evaluates the effectiveness of Student Information System (SIS) used at the Institute of Finance Management using DeLone and McLean’s Model. Convenience sampling technique was employed to select respondents from the Institute of Finance Management. A total of 391 complete and valid questionnaires were employed in data analysis. IBM SPSS software was used to analyze the hypothesized relationships between the variables. The findings show that system quality, information quality, service quality, system use and user satisfaction were the key desired characteristics in making SIS success. The study has provided implications to researchers and practitioners on how to improve the effectiveness of the IS used in Higher Learning Institutions based on the desired characteristics

Continuance usage of mobile government services in Tanzania has received less attention in literature. Furthermore, mobility and reachability–the critical features of mobile services have also been less researched in the information system (IS) continuance literature. Therefore, this study extends Expectancy-Confirmation Theory (ECT) with mobility and reachability to examine the continuance usage of mobile government services in Tanzania. The study applied chain – referral-sampling technique to collect a total of 374 complete and valid responses. Structural equation modelling (SEM) was deployed to examine the hypothesized causal relationships. Findings show that mobility and reachability have an influence on continuance usage of m-government services in Tanzania. Furthermore, perceived usefulness, confirmation, satisfaction, and continuance intention contribute highly on continuance usage behaviour of m-government services in Tanzania. The study provides useful recommendations to scholars and policymakers on how m-government services can be enhanced to enable continuance usage of m-government services in Tanzania.

Purpose: The main purpose of this paper is to examine the adoption of big data analytics (BDA) in the Tanzania banking industry by investigating the influence of technological, environmental and organizational (TOE) factors while exploring the moderating role of perceived risk (PR).Design/methodology/approach: The study employed a qualitative research design, and the research instrument was developed using per-defined measurement items adopted from prior studies; the items were slightly adjusted to fit the current context. The questionnaires were distributed to top and middle managers in selected banks in Tanzania using the snowball sampling technique. Out of 360 received responses, 302 were considered complete and valid for data analysis. The study employed partial least squares structural equation modeling (PLS-SEM) to examine the developed conceptual framework.Findings: Top management support and financial resources emerged as influential organizational factors, as did competition intensity for the environmental factors. Notably, bank size and perceived trends showed no significant impacts on BDA adoption. The study's novelty lies in revealing PR as a moderating factor, weakening the link between technological readiness, perceived usefulness and the intent to adopt BDA.Originality/value: This study extends literature by extending the TOE model, through examining the moderating roles of PR on technological factors. Furthermore, the study provides useful managerial support for the adoption of BDA in banking in emerging economies.