Tenson, Herbert2021-08-262021-08-262019Tenson, H (2019) The relationship between information and communication technology adoption and access to financial services: the case of microfinance institutions to Tanzania. Doctoral dissertation , University of Dar es Salaam, Dar es Salaam.http://41.86.178.5:8080/xmlui/handle/123456789/15455Available in print form, East Africana collection, Dr. Wilbert Chagula Library, class mark (THS EAF HC 79.I55.T34.T46)Access to financial services plays a pivotal role in human development and nation growth. However, access to financial services is limited to a large population due to different constraints, including low technology and financial literacy. This study examines the relationship between ICT adoption and access to financial services in Tanzania. Theoretical frameworks and empirical literatures associated with ICT adoption in microfinance and the banking industry on delivery of financial services was considered to guide, develop hypotheses and conceptual framework of this study. A cross-section study design was conducted in Dar es Salaam and Kilimanjaro regions. Data were gathered through convenience sampling from 303 client out of 385 questionnaires administered to 77 MFIs. Structural equation modelling employed to fit sampled data into hypothesized model and testing hypotheses of the current study. Findings indicate that seven hypotheses were have significant relationships while three hypotheses have insignificant relationships. The current study found client ICT adoption relates significantly on intention to use ICT for availability of financial services; ICT adoption relates significantly on intention to use ICT for affordability of financial services. Other findings indicate that ICT adoption relates significantly on perceived usefulness; and perceived usefulness relates significantly on intention to use ICT for availability, convenience and affordability of financial services. Further findings indicate that perceived usefulness mediates fully the relationship between ICT adoption and intention to use ICT for availability of financial services. While insignificant relationship found on the relationship between ICT adoption and intention to use ICT for convenience financial services; and Perceived usefulness fails to mediate the relationship of ICT adoption on convenience and affordability of financial services. The study contributes to strategic management debates on whether ICT adoption associates on access to financial services in Tanzania. It is recommended that MFIs should partner with mobile service providers for quality services delivery to large population. In addition, supervisory bodies should formulate an integrated strategy to guarantee safety and minimise risks on access financial services through ICT. Further exploration of the effects of ICT on informal MFIs on access to financial services for marginalised groups should be researched.enInformation technologyFinancial servicesMicrofinancecommunication and TechnologyTanzaniaThesis