The aim of this study is to investigate the factors influencing on Mongolian consumer green purchase intention. Specifically, this study is intended to examine whether factors such as consumer attitudes, subjective norms, environmental knowledge, governmental policies toward green development, eco-labeling, and willingness to pay premium price for green products influence consumers' intention to buy eco-friendly and green products. Studying and understanding these factors are vital and crucial for developing policies and strategies implemented by governmental and business organization to encourage green consumption among consumers. The survey included 346 randomly selected samples representing Ulaanbaatar residents, and quantitative analysis was conducted using the SPSS 23 software. The results show that social influence groups, eco-labels, and willingness to pay higher prices for green products significantly influence consumers' intention to make environmentally conscious purchases, while attitudes and environmental awareness have a less marked impact. Keywords : green purchase intention, attitudes, subjective norms, environmental knowledge, eco-labeling, governmental policy, willingness to pay DOI : 10.7176/EJBM/16-4-06 Publication date : May 30th 2024
This paper examines factors affecting e-commerce adoption among users in Zanzibar. Due to differences in culture, technological infrastructure, education, and awareness, the factors affecting e-commerce adoption in developing nations differ from those in industrialized ones. Zanzibar as an archipelago off the coast of East Africa in the Indian Ocean has adopted e-commerce. As the number of internet users grows dramatically in Zanzibar, the significance of e-commerce has risen which increases the need to conceptualize and understand e-commerce consumer adoption behaviors. Through literature review, the first model was developed with six variables. The Trust, Risk, and Technology Acceptance Model (Tri TAM) theory was used as a basis. A total of thirteen hypotheses were formulated in this paper. Additionally, data collected from 264 respondents was analyzed by IBM SPSS Statistic and Analysis of Moment Structures (AMOS). Furthermore, SEM revealed two significant factors out of three that directly affect the dependent variable. These are Trust (TR) and Technology Perception (TP). Although Policy Perception (PP) was insignificant with a negative value, but has an indirect effect by positively affecting Trust (TR). It discovered that, Trust (TR) mediates relationship of both Technology Perception (TP) and Policy Perception (PP) on Intention to use e-commerce (ITU). Education and Experience were then tested to verify their moderating effect between independent and dependent variables by the Hayer process macro. Both (Education and Experience) moderate effects of Technology Perception (TP) and Trust (TR) on Intention to use e-commerce (ITU). Hence, ten (10) hypotheses were accepted while three (3) hypotheses were rejected. The valid model was then produced. Lastly, the paper provides recommendations to the revolutionary government of Zanzibar together with the Government of Tanzania on the ways to improve e-commerce usage for the development of the country. Keywords: E-commerce, e-commerce adoption, Zanzibar e-commerce, Tri-TAM DOI : 10.7176/EJBM/16-4-05 Publication date : May 30th 2024
Purpose : This is a case study of Atlas Mara Bank in Zambia. Using the attitudes of the Banks' clientele toward ideal banking services, the aim of this study was to determine the determinants of customer service quality towards customer satisfaction at Atlas Mara Bank Design : A cross sectional explanatory questionnaire based design anchored on the discrepancy theory of formation and SERVQUAL service dimensions was employed. Ninety-seven Atlas Mara customers who sought various services were enrolled into the study using Availability Sampling. Linear Regression Analysis was the main form of analysis to determine the predictors of customer service quality towards customer satisfaction at Atlas Mara Bank. Findings : Out of ten SERVQUAL elements, three were predictors of customer dissatisfaction and showed that the bank was not reliable as it was unable to provide the committed services truthfully and consistently (Reliability), the price/quality relation (price was used to include both interests and charges) (cost of Services Offered was rather high and ATM services were consistently out of order (Reliability). Originality: The SERQUAL model and discrepancy theory of formation have explained the link between service quality and customer satisfaction which are uncommon findings in empirical studies employing the two epistemic domains. This is a premier study in Zambia and the findings, will help Atlas Mara Management and Board to apply efforts at reviewing the current services in the three domains. Conclusion : The findings point to the fact that the quality of service delivery tends to influence the state of customer satisfaction. There are lessons from studies and these could be employed in improving service delivery and maintain customer loyalty. Key Words: Service Quality, Customer Satisfaction, Determinants, Improve & Atlas Mara DOI : 10.7176/EJBM/16-4-02 Publication date : May 30th 2024
Leadership is identified as a critical element for the success of an organization. The present study explores the relationship between leadership style and employee wellbeing in Dubai government organizations. The review shows that leaders use different leadership styles in order to achieve organizational goals. This research aims to shed light on how leadership style can impact on employee wellbeing. This empirical study used a qualitative approach to collect data from the participants by using semi-structured interviews with ten senior leaders from Dubai government organizations. Drawing from major themes identified in literature, questions were designed to explore the relationship between leadership style and employee wellbeing in Dubai government organizations. Nvivo software was also used to analyze the data. The results of this study indicate there is a significant relationship between leadership style and the wellbeing of employees. In addition, the results show that transformational leadership is one of the most effective styles, enhancing the quality of employee wellbeing in Dubai government organizations. The results provide support for the positive impact of this leadership style which implies that Dubai government organizations should train their managers to use transformational leadership style in order to enhance employee wellbeing. The results of the research reveal that there is a future plan to focus on developing transformational leadership style in order to improve the wellbeing of employees. In the end, the study concludes with several recommendations, including the need to conduct more studies and research with other countries similar to the United Arab Emirates and government sector institutions in other countries, with the aim of generalizing the achieved results. Keywords: Leadership styles, wellbeing, Dubai government, transformational leadership. DOI : 10.7176/EJBM/16-4-04 Publication date : May 30th 2024
The aim of the study was to examine the corporate governance and corporate sustainability nexus and further examine the moderating role of ownership structure on corporate governance and bank sustainability from the post banking sector crisis perspective. The study sample constituted all the 23 banks licensed by Bank of Ghana to operate in Ghana. Data was obtained through the administration of questionnaires to key personnel of the banks. 276 key management were selected using purposive sampling techniques. The study adopted Partial Least Square Structural Equation Modelling (PLS - SEM) using SMART-PLS software in analyzing data obtained. The empirical results of the study pointed out that, corporate governance of bank has significant positive effect on bank sustainability. It further revealed that, shares ownership structure does not moderate the relationship between corporate governance and bank sustainability nexus. Implications of the study from the theoretically perspective, is the contribution it makes to literature of the stakeholder and paradox theories. Practically, in devising corporate sustainability strategies, management will use the findings of this study as a guide. The outcome will also guide policy makers in future policies on governance and sustainability especially in an era where sustainability is gaining grounds in the sector amidst the adoption of International financial reporting standards for sustainability which will be effective across all sectors in Ghana including the banking sector soon. The study is limited to the banking sector in Ghana, though sustainability is encouraged in all sectors of the economy and across the globe. It is therefore recommended that, future studies should explore other sectors of the Ghanaian economy and replicate the study in other geographical jurisdictions. Keywords: Corporate governance, Corporate Sustainability, Ownership Structure, Banks in Ghana, Post banking crisis DOI : 10.7176/EJBM/16-4-03 Publication date : May 30th 2024
Inflation rate plays important role in economic stability of a nation since it is one of the significant macroeconomic variables that affect virtually every aspect of the economy. The study's focus was to ascertain the responses of inflation to shocks in money supply and fiscal deficit in Nigeria. Data used was obtained from Central Bank of Nigeria statistical bulletin from 1981 to 2021. The study adopted vector auto regression (VAR), impulse response functions and variance decomposition for its analysis. Findings of this study revealed that inflation responded negatively to variations in the money supply in Nigeria, Fiscal deficit is a negative function of inflation in Nigeria, thus increase in fiscal policy would likely reduce inflationary tendencies in the country. The study further suggested that government should increase accessibility of funds for borrowing and embark on prudent management of borrowed funds so as to curb inflation in Nigeria. Keywords: Inflation, fiscal deficit, money supply, vector autoregressive DOI: 10.7176/EJBM/16-3-06 Publication date: April 30 th 2024
Higher education institutions face numerous obstacles to attracting international students in today's globalized world. International trade in higher education services encourages economic growth and enhances the transfer of knowledge, potentially resulting in greater knowledge and expertise that can help countries remain competitive in a globalizing world. Higher education has become a major export for the economy; it generates a huge amount of money in both developing and developed countries. This article looks at recent advances in Mongolia's international higher education sector. It explains the reasons why foreign students come to study in the country, and we also try to examine the benefits and drawbacks of studying in Mongolia for foreign students. We conducted surveys with 200 foreign students from China, Russia, Inner Mongolia, Korea, and Japan. According to the results of the research, the main factors that contributed to the increase in the number of foreign students studying in Mongolia are the ease of obtaining a visa, the quality of the curriculum, the low requirements for admission to universities, the proximity to the home country, etc. In the future, policymakers and experts working in this field should focus on increasing scholarships, increasing the quality and accessibility of the educational environment in order to attract foreign students. Keywords: Education export, Mongolia DOI: 10.7176/EJBM/16-1-09 Publication date: February 28th 2024
Standardization and certification of management systems are an important part of the organizational culture in the food industry, which in modern business conditions should be a culture of quality, because the management of management systems and their certification is an important prerequisite for business success, even business excellence. The only certified management systems are systems based on ISO standards and safety, but there are other methodologies in the concept of quality management and safety, which due to their complexity, efficiency and high level of organizational performance, are also considered specified management. systems. Businesses must continue to rapidly change environmental conditions and increase globalization and change in competition in today's world in order to maintain their existence and realize their visions. Economic theory has long recognized innovation as the most important driver of development and as the only sure recipe for overcoming the economic recessions of the food and global food industry. A country that wants to make a mark on the world market cannot achieve this without encouraging innovation in society. Innovation leads to the improvement of society and the economy, and an awareness of inventiveness can be raised by fostering entrepreneurship and technological innovation. The reason for every change in life should be sought in innovation. Innovation means the ability to transform existing ideas into useful inventions and products that will be used in the future. Keywords: innovation, quality, standards, food industry and products and services. DOI: 10.7176/EJBM/16-1-05 Publication date: January 31 st 2024
The program and survey was funded by the UK Foreign, Commonwealth and Development Office (FCDO) and Technical University of Kenya RISA Award No. 2023-015 and conducted under NACOSTI Permit No. NACOSTI/P/23/23979 of 23/February/2023. Abstract This survey was conducted as part of a project that seeks to develop a technology transfer assistance model that can effectively bridge the gap existing between technology sources like Higher Education Institutions (HEIs) and technology users like Small and Medium Enterprises (SMEs) and other firms operating in the Nairobi innovation ecosystem. The project team at the Technical University of Kenya (TUK) was one of the grantees in the Research and Innovation Systems for Africa (RISA) program for the year 2023 that was implemented between January, 2023 and December, 2023. The RISA program was funded by the UK Foreign, Commonwealth and Development Office (FCDO) that aims to strengthen research and innovation ecosystems in Africa. The study was anchored on the Theory of Change. The project commenced with a research phase which took place between January and March 2023, with a survey of 1200 SMEs operating within the targeted geographical region. This was followed by in-depth interviews with a cross section of stakeholders from higher education institutions, research institutes, and managers from funding organizations, Non-Governmental Organizations (NGOs), and advocacy groups to obtain insights on technology development and transfer within the Nairobi innovation ecosystem. The findings of the study indicate a gap in the access and assimilation of new technologies by SMEs, driven by factors that have organizational, regulatory and institutional perspectives. The project team held three stakeholder engagement workshops to disseminate the findings of the survey, deliberated on challenges encountered on technology transfer and knowledge exchange between SMEs and HEIs. As part of capacity building at the Technical University of Kenya, the project team in the month of June 2023 conducted a four day Training of Trainers (TOTs) for forty faculty members on Research to Commercialization (R2C). The TUK faculty trained as TOTs facilitated in training three hundred SMEs who were invited to a six day capacity building training. The SME training covered introduction to innovation and entrepreneurship, business planning and strategy, communication and marketing, digitalization and new product development, business finance, and human resource management. The project team prepared a policy brief, and is championing the creation of a model regional technology hub at TUK, to host incubators, accelerators, crosscutting partnerships and collaborations using a quadruple approach strategy that involves four components of a functional innovation ecosystem; people, technology, capital, and infrastructure. Keywords: Knowledge exchange and technology transfer, higher education institutions, small and medium enterprises, Nairobi innovation ecosystem. DOI: 10.7176/EJBM/16-1-07 Publication date: January 31 st 2024
To achieve sustained economic development of RNM should include agricultural development while reducing the differences in development of certain sectors of the economy. Since a long time pursued the search for a universal model of agriculture financing it is concluded that the creation of such a model is impossible. So, it takes a combination of several different models of funding that do not involve only funds from the agricultural budget, but also from foreign sources. Since there is no universal model provides an overview of agriculture financing from several sources such as loans from commercial banks, National and Regional funds, leasing, securities, concessions, public-private partnerships, joint ventures, donations and international funds. The above-mentioned ways of financing can be similar to each other but also different because each of them has its own characteristics, advantages and disadvantages. It is necessary to harmonize all potential sources and make them available to farmers because each of them knows that the financing model suits them and whether they can borrow. Although RNM has its own policy for the development of agriculture, it obviously varies by periods of observation. Thus, the aim of the work is to show the importance of combining and harmonizing the different models of financing of agriculture of RNM as well as their implementation. Keywords: A griculture, Financing, Agriculture budget, Funds, IPARD DOI: 10.7176/EJBM/16-1-04 Publication date: January 31 st 2024
This study examined the impact of psychological and sociological empowerment on innovative work behaviour of accounting lecturers in public universities as moderated by gender. Three research questions and two hypothesis guided the study. The study adopted a correlation survey design. The study was conducted in 3 public Universities in South East Nigeria which offer Accounting Education in their degree programmme. These universities include; University of Nigeria Nsukka (UNN), Nnamdi Azikiwe University (NAU) Awka and Michael Okpara University of Agriculture Umudike (MOUAU). The population of the study is 125 respondents which comprises of 45 female lecturers and 82 male lecturers from Accounting departments in the 3 federal Universities. This study utilized a 15 item structured questionnaire titled " impact of psychological and sociological empowerment on innovative work behaviour of accounting lecturers " (IPSEIWBAL Questionnaire). The instrument has Four (4) sections. Section 1 contains personal data of the respondents such as Gender and Years of Working Experience. Section 2 – 4 were constructed to reflect the specific purposes of the study to elicit data from the respondents. The sections 2-4 had same response options which are, Strongly Agree, Agree, Disagree and Strongly Disagree. The questionnaire was face-validated by three experts in the Department of Accounting, one each from the three Universities. Cronbach alpha method was used to test the internal consistency of the items, which gave a reliability coefficient of 0.85. Data collection was carried out by the researchers with the help of three research assistants. Data collected from the respondents was analyzed using Statistical Package for the Social Sciences (SPSS- 27.0). The statistical tools for data analysis was Pearson Moment correlation coefficient to answer each of the research question and interpreted as follows:0.90–1.00=Very High Correlation; 0.70-0.89=HighCorrelation;0.50-0.79=Moderate Correlation; 0.30-0.49=Low Correlation; 0.00-0.30=Very low/Negligible Correlation. The hypothesis for the study was tested at 0.05 level of significance using regression ANOVA.The study concluded that innovative work behavior of accounting lecturers is influenced by psychological and sociological empowerment. The study recommended that Universities should create a supportive environment to promote the professional development of younger and junior faculty, which will result in higher levels of psychological/sociological empowerment and work engagement and thus results to greater productivity for universities. Keywords: Accounting Education, Accounting Lecturers, Psychological Empowerment, Sociological Empowerment and Innovative Work Behaviour. DOI: 10.7176/EJBM/16-3-09 Publication date: April 30 th 2024
The study investigated the distributional influence of exchange rate pass-through (ERPT) on inflation rate in Nigeria. Monthly data ranging from January 1999 to December 2021 which was extracted from the Central Bank of Nigeria statistical bulletin was used. The unique contribution of the study lies on the fact that it utilizes quantile regression model (QRM) to ascertain the ERPT to inflation at diverse quantiles. The results show that ERPT distributionally influences inflation in Nigeria positively and significantly at diverse quantiles (quantiles 10 th , 25 th . 50 th , 75 th and 90 th ). It demonstrates that ERPT to inflation is size-based and it is sensitive to the duration of financial market turmoil. The study recommends a proactive policy response towards exchange rate management as well as a robust macroeconomic policy regulation. Furthermore, to tackle food inflation, Government should strengthen its agricultural and industrial policies to boost domestic production and hence reduce overreliance on imported goods. Keywords: Distributional influence, ERPT, Quantile regression, Inflation DOI: 10.7176/EJBM/16-3-05 Publication date: April 30 th 2024
On 11 March 2020, the World Health Organization (WHO) declared COVID-19 as a global pandemic. This pandemic is having serious negative effects on global trade, domestic economies, employment, and generally, on our way of life. Therefore, many countries have had to come up with economic stimulus packages to support businesses and individuals, especially those most severely impacted by the pandemic, including Zambia. Although relief packages have been put in place in Zambia, it remains unfounded whether the measures have been effective to the extent of facilitating positive business growth, especially in the Zambian construction sector. Hence, this research will be an investigative study on the effectiveness of the relief incentives In Zambia particularly in the construction sector. The main aim of the study was to investigate the effectiveness of the relief incentives in Zambia particularly in the construction sector. The study was anchored on the Theory of Determinants of Investment and the Neoclassical Theory. In achieving this objective, the methodology that was employed in the study involved the use of a survey using questionnaires with a sample size of 40 construction companies in Lusaka District as the respondents were interviewed using a simple random sampling method that guaranteed that the sample used was not biased. The analysis of the data involved Statistical Package for Social Sciences (SPSS) software. The study established that tax relief incentives in Zambia's construction sector have been effective and encouraging business growth. In addition, the tax relief incentives in Zambia have a positive impact on the construction sector. The study also establishes that among the multiple options to enhance the effective progressivity of their tax systems Zambia has used the Tax waiver as the most effective one. The study recommends that the Zambian government review the coherence of its tax relief incentive programs to eliminate inconsistencies between goals, criteria, and instruments, among other recommendations. Keywords: Tax, Tax Relief incentives, COVID-19, relief packages DOI: 10.7176/EJBM/16-3-01 Publication date: April 30 th 2024
This study examined the impact of fuel subsidy payments on domestic food price inflation in Nigeria from 2015-2022. Rising and volatile food inflation amid high fuel subsidy expenditures motivated an analysis of their linkage. An Autoregressive Distributed Lag (ARDL) model was estimated using quarterly time series data on fuel subsidy payments, global crude oil prices, agricultural productivity, per capita income, and food inflation. The results provide evidence of a statistically significant negative relationship between fuel subsidies and food inflation, both in the short and long run. The model estimates that reducing fuel subsidies transmits into higher domestic food prices within a quarter itself. Global oil prices positively impact food inflation by raising production and transport costs over time. Agricultural productivity reduces food inflation sustainably by encouraging greater output. Per capita income increases food inflation via higher demand. Overall, the findings align with the theoretical framework of cost-push drivers of food inflation. Gradual subsidy reform is recommended, coupled with investments in agriculture, social transfers for low-income households, economic diversification, and prudent monetary policy to mitigate risks of inflationary shocks. Keywords: Fuel subsidies, Food inflation, Crude oil prices, Agricultural productivity, ARDL model JEL Classification: E31, Q18, Q43, C22, O13. DOI: 10.7176/EJBM/16-3-08 Publication date: April 30 th 2024
This study unraveled the influence of branding on customer loyalty in the telecommunication industry in Nigeria. The survey research design was adopted using the cross-sectional survey approach. Data were generated by the use of a structured questionnaire from 400 respondents drawn from the customers of the four major telecommunication firms (MTN, GLOBACOM, AIRTEL, 9MOBILE) in Imo State. The study revealed, among others, that all the five constructs (brand identity, brand personality, brand image, brand benefits and brand satisfaction) statistically and significantly predicted customer loyalty. Based on this finding, the study recommends among others that telecommunication firms should be quality conscious so at to enhance customers' perception of their brands, thereby improving customer loyalty. Keywords: Brand identity; Brand personality, Brand image; Brand benefits; Brand satisfaction; Customer loyalty DOI: 10.7176/EJBM/16-3-13 Publication date: April 30 th 2024
Today, with technology advancing rapidly, digital banking apps (DBAs) include features for making payments and keeping track of expenses. In other words, users can see their finances clearly from a general overview to detailed breakdowns of what they spend. This helps manage their money better by keeping an eye on their spending habits and making adjustments as needed. The study aims to evaluate different factors influencing the intention to utilize digital banking apps for managing personal finances. The model and hypotheses are developed based on quantitative research. Data was collected through self- administered close-ended questionnaire from a sample of 416 university students in Hanoi, Vietnam. For analysis purposes, SPSS 20 was used to confirm the validity concerns and determine the proposed relationship among selected variables. The output reveals that Perceived trust has the greatest impact, followed by Hedonic motivation, Personal behavioral control, Attitude, Perceived usefulness and Perceived ease of use while Perceived risk is found to have no impact on intention to use digital banking apps of university students. This study provides a 'snapshot' to the management about the provision of current situation and proposes suggestions to promote the use of digital banking applications and use them effectively for students' personal financial management. Keywords: Intention, digital banking applications, personal financial management. DOI: 10.7176/EJBM/16-2-01 Publication date: March 31 st 2024
The escalating ubiquity and cost-effectiveness of internet facilities have precipitated a notable surge in the adoption of e-commerce among Vietnamese inhabitants, particularly those residing in urban areas. This research endeavours to enhance comprehension of factors affecting e-commerce customer satisfaction in Hanoi, Vietnam. A quantitative survey of this research was conducted in which online questionnaires were distributed to 382 respondents through social media. The amassed data underwent meticulous analysis utilizing Microsoft Excel. The findings of this investigation underscore that information quality, system quality, service quality and price simultaneously influence e-commerce customer satisfaction. Keywords: factors, e-commerce customers, satisfaction DOI: 10.7176/JESD/15-5-01 Publication date: April 30 th 2024
Worldwide small businesses are known to possess great potentials for boosting economic growth and development. They help medium scale enterprises as well as big industries in the production and supply chain. However, research has shown that over one-third of small businesses in Nigeria do not to see the third year after their establishment owing to different problems and challenges (Ademola, Olaleye, Olusuyi, & Edun, 2013). It is against this backdrop that this study investigates the problems and challenges of small businesses as tools of economic growth and development. Its focus was Nsukka urban, which is the second economic hub of Enugu State after the state capital, Enugu. There is no known empirical evidence on the challenges faced by small scale businesses in Nsukka urban, which is a town where over 95% of businesses are on the small scale level. The specific objectives of the study were to: (1) ascertain the problems and challenges facing small businesses in Nsukka Urban, and (2) ascertain the ways in which owners of small businesses confront the challenges facing them. Four hundred and five (405) respondents were selected from a population of 3,300 registered members of four business associations in Nsukka urban. The selection was done through a multi-stage sampling technique, after which the questionnaire was used to elicit data from the respondents. Findings indicated that business owners acknowledged the prevalence of stiff challenges (weighted mean = 3.30). Individual business owners (weighted mean = 3.13) feared for their businesses in terms of the imminence of collapsing. Forty-five percent (45.2%) of the businesses have not reached the five-year mark. With a weighted mean of 3.52 respondents accepted that money to expand their businesses was a problem, and there were no credit facilities through which to raise money (weighted mean = 3.31). Sourcing goods was also reported to be a problem (weighted mean =3.32). The study recommended, among others, that the various trade associations should institute regular seminars on investment, business assessment and fund drive. This is to build the capacity of small scale business owners who saw government as the panacea for business problems. Keywords : Small Scale Businesses, Economic Growth DOI: 10.7176/EJBM/16-2-05 Publication date: March 31 st 2024
Most Japanese software products are supplied to the domestic market, whereas few are supplied to the foreign market. Some authors discussed reasons why Japan’s software industry lacks international competitiveness. However, those studies do not explain why those reasons occur. This article shows several reasons of the lack of international competitiveness in the Japanese software industry. Then, we focus on the relationship of these reasons and analyze the relationship between the reasons. In addition, this study indicates that the multi-subcontracting system hampers the development of products for international competitiveness. Keywords: Japan’s software industry, International competitiveness, Multi-subcontracting system DOI: 10.7176/EJBM/16-1-02 Publication date: January 31 st 2024
The study examined the influence of mobile banking affordability on personal financial savings in Dodoma City. The study employed a cross-sectional survey design and convenience sampling technique. Three hundred seventy (370) bank customers were surveyed through a self-administered questionnaire. The study adopted quantitative data analysis whereby descriptive statistics and multiple linear regression analysis were used. The findings revealed that that bank charge and transaction cost of mobile bank were negative and significantly related to personal financial savings. Similarly, the findings show that ease of access of mobile banking services was positive and significantly related to personal financial savings. Therefore, the study conclude that, affordability of mobile banking service in terms of ease of access influence positively personal financial savings while bank charge and transaction cost influence negatively personal financial savings. To enhance the affordability of mobile banking for personal financial savings, banks should focus on fee transparency and offer lower-cost account options to ensure accessibility and cost-effectiveness for all customers. Keywords: Mobile Banking, Affordability, Personal Financial Savings, Dodoma city, Tanzania DOI: 10.7176/EJBM/16-1-03 Publication date: January 31 st 2024
