Firms' behavior to internet banking use

This research work aimed for studying the firms' reactant behavior in using the available internet banking products and services in Tanzania. The motive behind this subject is to find out what drives the reluctance behavior among users towards effective utilization of internet banking products and services, The model for this study was formulated from behavioral theories including the expectancy theory of motivation, the theory of reasoned action, and cognitive dissonance theories. The basic study mode] has been derived from the technology acceptance model (TAM). The model was tested using only primary data collected using questionnaires. Analysis was done using regression techniques at 5% significant level. The study concludes with insignificant impact from all aspects of computer network infrastructure and user attitudes affected by social cultural aspects of users in Tanzania. The study revealed that the user knowledge and awareness impact has not been promoting positive perception for users to go for benefits offered by the internet banking products and services. This is the core issue with Tanzanian firms and the business community in Tanzania today.