Customers’ awareness and adoption of internet Banking services: a case of selected commercial banks in Dar es salaam city

The study basically assessed customers’ awareness and adoption of internet banking services in Tanzania. The study was conducted under the guidance of three main independent variables which are customers’ knowledge, customers’ skills and customers’ perception which were tested on customers’ adoption of internet banking services as the dependent variable. Explanatory design was used to undertake the study with the data collected from two commercial banks from the employees using the sample of 69 respondents. The data were collected using structured questionnaires which were computed in SPSS to generate relevant statistic measurements to present the primary data to fill the gap. Descriptive statistics were generated first and used to present the profile of the respondents using frequency tables and percentages. The relationship test between study variables was done using correlation and multiple regression analysis. Results of the study indicated that three independent variables tested to the dependent variable have been found to be positive with significant effect statistically on customers’ adoption of internet banking as the dependent variable with p<0.05. The implication of the findings is that customers’ adoption of internet banking services through awareness is influenced by customers’ knowledge, customers’ skills and customers’ perception.