Behavioral Determinants of Mobile Phone Payment System Adoption in Tanzania: An Extended Technology Acceptance Model Approach

This study investigates the behavioral determinants of Mobile Phone Payment System (MPPS) adoption in Tanzania using the Technology Acceptance Model (TAM).Results from a survey of 260 respondents indicate that perceived ease of use (PEoU) is the strongest predictor of adoption, followed by service quality, perceived usefulness (PU), and information quality.Nonetheless, barriers such as high transaction costs, limited user competence, trust concerns, and cultural preference for cash constrain widespread utilization.Adoption decisions were also found to be shaped by partner and community practices, underscoring the role of network externalities.The study recommends enhancing digital literacy and user training to reduce technological anxiety, improving service reliability and customer support to build confidence, and introducing transparent, flexible pricing models to address cost sensitivity.Additionally, robust regulatory frameworks promoting interoperability, consumer protection, and cybersecurity are essential.These measures will foster greater trust, inclusivity, and sustainable growth of Tanzania's digital financial ecosystem.