Authors : Festus Benjamini; Dr. Davis Meela

Volume/Issue : Volume 10 - 2025, Issue 9 - September

Google Scholar : https://tinyurl.com/2sjhhpe3

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DOI : https://doi.org/10.38124/ijisrt/25sep1327

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Abstract : This study examined technological factors influencing the adoption of electronic payment systems in Local Government Authorities (LGAs), using Morogoro Municipal Council as a case study. Although electronic payments improve efficiency, transparency, and revenue collection, adoption has been inconsistent due to technological barriers. A mixed-methods approach was employed, collecting data from 16 council employees and 83 local business residents through structured questionnaires and semi-structured interviews. The findings indicate that unreliable internet connectivity, complex user interfaces, insufficient security features, limited technical support, frequent system downtimes, device incompatibility, slow transaction processing, and irregular system updates significantly hinder adoption. Addressing these challenges is critical for enhancing user trust, improving system usability, and encouraging wider uptake of electronic payment systems. The study recommends strengthening ICT infrastructure, optimizing system performance, enhancing security measures, providing robust technical support, and implementing regular system updates to facilitate effective adoption and improve financial management in LGAs.

Keywords : Electronic Payment Systems, Technological Factors, Adoption, ICT Infrastructure, User Acceptance, System Usability.

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