Kato, Charles Ishengoma2021-10-062021-10-062018Kato, C. I. (2018) Policy, legal and institutional framework challenges to innovation: a case Study of Electronic Banking in Tanzania. Doctorial dissertation, University of Dar es Salaam, Dar es Salaam.http://41.86.178.5:8080/xmlui/handle/123456789/15798Available in print form, Eat Africana Collection, Dr. Wilbert Chagula Library,(THS EAF HG1710.T34K376)The ubiquity of digital technology in the banking industry came out with benefits and problems to the users. The challenge that the world is facing concerns how to address the mushrooming problems as a result of this technology through policy formulation and law enactment. Thus, this study assessed policy, legal and institutional framework challenges of science, technology and innovation in Tanzanian's electronic banking. This study used a comparative or survey design to examine the policies, laws and institutional framework challenges to innovation in the country's electronic banking sector. The findings reveal, that electronic banking revolution in Tanzania remains moderate despite witnessing a significant changes. On the other hand, the findings show that the cybercrime trend in banking is increasing because the current policies, law and institutional framework do not adequately address the challenges which emerge with innovations in the country's electronic banking. The study concludes that the main challenge of electronic banking in Tanzania is the inability of ICT policies and laws to protect people involved in electronic banking as they do not cover sufficiently the online environment. To arrest the situation therefore, the study strongly recommends for the amendment of the present electronic banking policies and laws to ensure there is clear institutional framework for their enforcement.enElectronic funds transfersBanking lawTanzaniaThesis