Attitudinal factors and adoption of e-Money services in Tanzania: A case of Ilala district’s SMEs in Dar es salaam

e-money services has not yet gained large scale adoption as expected, and there is a relationship between attitudinal factors towards the adoption of electronic money services which play a greater role in influencing the adoption of business through IT Means of electronics. This study is investigated and validated the attitudinal factors and adoption of e-money services by SMEs. Specifically entrepreneur’s attitude on the use of e-money services has been examined and the assessment has been done on the way SMEs use e-money services in their business. The relationship between the attitude of SMEs and the adoption of e-money services has been established. The study was conducted through a case study design based on Ilala district in Dar es salaam. Data were collected from primary and secondary sources where a hundred respondents were selected from the study, Surveys, interviews and physical observations were used as data collection techniques. Both qualitative and quantitative approaches were used for data computing purposes and SPSS was used as a data analysis tool. Results show that respondents use e-money services because it is easy to use, it saves time, and it has encouraging security. It has been found out that, there is a close relationship between attitude and the adoption of e-money services. The finding has revealed that, 97% of SMEs use e-money services in their business. SMEs use e-money services to pay their bills such as utility, school and application fees, and through e-money services, SMEs order goods for their business.