Dissertation Writing Help on
E-Banking in Tanzania: Practices, Opportunities and Challenges
a. Problem Statement
Electronic
banking is a current driving force that is changing the landscape of the
banking industry fundamentally, in particular, towards a more competitive
industry in Tanzania. Electronic banking has eliminated the boundaries between
different financial institutions, enabled new financial products and services,
and made existing financial services available in different packages. But the
influences of electronic banking go far beyond this.
The
developments in electronic banking together with other financial innovations
are constantly bringing new challenges to finance theory and changing people’s
understanding of the financial system.
b. Aim and Purpose of Study
In
the application of electronic banking in Tanzania, the financial institutions
have to face its problems. The success of electronic banking is contingent upon
reliable and adequate data communications infrastructure. For past years communication
over the Internet is not secure and often congested due to lack of proper
infrastructure. The financial institutions would also have to contend with
other Internet challenges including security, quality of service especially in
poor countries like Tanzania.
Besides
these issues, the existing business environment also poses some challenges to
the smooth operations of electronic banking; some of these operational
challenges include lack of reliable power supply, dominance of cash transaction
in the economy, low level of awareness among consumer in Tanzania. The thrust
of this project work shall be to examine the trend of electronic banking in
Tanzania and a critically examination of the challenges mentioned.
c. Why is the
particular topic chosen?
Electronic
banking system has become an important practice among commercial banks in
country , The introduction of this electronic banking has improve banking
efficiency in rendering services to customer, It is in line with this that the
topic was chosen. The subject of Internet banking provides many potential
dissertation topics for me as I have worked on the banking filed of banking for
10 years now the first being Telephone banking administrator for Barclays Bank
Tanzania Ltd. I have seen the evolution on banking on past years and the
emergence of e electronic banking in the market has pushed me choosing the
topic.
d. What contribution
would the project make and to whom?
This project is significance because it would
help to enlighten operators in the banking sector and other concerned
individuals and organisation on the adoption of Electronic banking in this
modern way of life. The research shall basically identify the technical and
operational challenges facing Electronic banking in Tanzanian business
environment and suggests ways by which they could be tackled and improved.
e. Objective and scope
of the study.
The advancement in Technology has played an
important role in improving service delivery standards in the Banking industry.
Some
the objectives and the scope of the study is aiming to achieve the following:
(i)
To evaluate the prospects of electronic banking in Tanzanian banking industry
and financial institutions;
(ii)
To evaluate the impact of electronic banking on the operations of financial
institutions in the country;
(iii)To
examine the effect of electronic on bank-customer relationship;
(iv)To
seek to examine the challenges facing the implementation of electronic banking
in country.
In
pursuance of the objective of the project, attention shall be focused on
Electronic banking among other e-commerce implementation. In order to conduct
an empirical investigation into the adoption of Electronic banking in country,
this study shall examine the nature Electronic banking operations in First
National Bank Tanzania Limited.
f. Methodology
Both primary and secondary data shall be the
basis of this project work. The primary data shall be generated by means of a
structured questionnaire instrument. The first section of the questionnaire
shall be based on the personal data of the responses while the second section
shall seek to ask a question that relates to the subject on the basis of the
research questions.
The
questionnaire to be used shall be carefully administered and a total of forty
(40) staffs of the bank would be selected, for the purpose of this study. The
sampling shall be done randomly such that the respondents shall cut across the
different departments in the bank. This could to some extent give a basis for
generalisation.
The
data, which would be collected from the questionnaire, will be analysed using
the simple percentage method and chi-square, goodness of fit. This would make
the analysis of the data more concise and simple. Secondary data shall also be
collected from research reports, e-Business Newsletters, Central Bank of
Tanzania and other published materials.
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