DATA ANALYSIS AND DISCUSSION OF BUILDING MERCHANT’S TRUST ON MOBILE PAYMENTS IN TANZANIA

In this research study the data is analyses using the statistical methods, analysis of both correlation and the regression were used by SPSS software to Investigating ways of building merchant usage trust on mobile payment across mobile platforms in Tanzania. The significance of data analysis both descriptive and the inferential are very important. The data analysis tools were used to evaluate the variables impact. By using the SPSS software the overall trends of the mobile platforms usage for the payment transfer is evaluated. The T-Test is used to look for the evidence of significant different between the hypothesized value and population mean. More precisely, T-test is applied to measure the difference size relative to a variation in sample data used for the research. Both ANOVA and t-test are used to test a research hypothesis, in other words t-test is basically ANOVA’s special case. ANOVA confirms the validity of t-test while analyzing the mean of groups. Furthermore, t-test is applied on the coefficients of regression obtained from simple linear regression. T-test is applied to determine either the regression line’s slope significantly differ from zero or not.

The appropriate statistical technique selection is the significant factor in this study. The techniques data analysis for this research study depends on descriptive and inferential data analysis. For the analysis of the variables in the study the descriptive data analysis technique will be used. These techniques contain graphs charts, percentages, and central tendencies. These are very significant methods which are basically used in the analysis of the research. On the other hand, the techniques of inferential data analysis were also used in the study. These techniques comprise the regression and correlation. Both techniques of regression and correlation used to evaluate the overall impact of variables on each other in this research study. In the same way, the regression technique examines the impact of independent variable over dependent variable in the study. Consequently, the analysis of both correlation and the regression was used by SPSS software to Investigating ways of Building Merchant Usage Trust on Mobile Payment across Mobile Platforms in Tanzania. The significance of data analysis both descriptive and the inferential is very important. The data analysis tools were used to evaluate the variables impact.

It is analyze that the use of mobile payment by using mobile platforms is increasing very fast in Tanzania. The people who use the mobile payment services are able to transfer the money through their mobile devices anytime and at any place. The mobile payment services are providing the people with a lot of benefits and ease in the transfer of money. As it is analyze from the past research, use of the mobile payment is growing very fast globally because of its flexibility and ease in the payment. There are also some issues related to the usage of mobile payment across the mobile platforms. it is discussed in the literature that main issue in this research is that some people are not willing to adopt the mobile payment technology because they not feel secure transferring the money through mobile devices and it is also very hard for them to trust the merchants.

The merchants in the market of the Tanzania also need to improve their overall customer’s services and also try to develop better relationship with the customers. The merchants also need to change the attitude towards the customers of the mobile payment services to build effective relationships and make the customers feel comfortable towards the mobile payment services. The banks have built a standard for the transactions of money by ensuring the security and building effective relationships with their customers.

T-test

Hypothesis 1 of Building Merchant’s trust on Mobile Payments in Tanzania

Null Hypothesis Accepted

It is conducted after performing T test on the data that null hypothesis is accepted in hypothesis 1 example there is relationship between the mobile payment services usage and building trust on the merchant.

Hypothesis 2 of Building Merchant’s trust on Mobile Payments in Tanzania

Null Hypothesis Accepted

It is conducted after performing T test on the data that null hypothesis is accepted in hypothesis 2 example the young people are more willing to trust the mobile payment services as compare with the elders.

Hypothesis 3 of Building Merchant’s trust on Mobile Payments in Tanzania

 Null Hypothesis Accepted of Building Merchant’s trust on Mobile Payments in Tanzania

It is conducted after performing T test on the data that null hypothesis is accepted in hypothesis 3 example there is relationship between the mobile platform and the trust of the people on mobile payment services.

The results of statistical analysis have indicated the negative relationship between dependent and independent variable i.e. mobile payment and trust of merchants respectively. A trust of merchants is cause negatively and 0.05377 variation in mobile payment. Moreover, mobile service payment positively impacts the dependent variable

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