Employee Perceptions of Organizational Readiness for the Fourth Industrial Revolution: Evidence from the Tanzanian Banking Sector (Journal of Research Administration)

Summary

• Out of a calculated sample of 346 bank employees drawn from a population of 2,560, a total of 345 usable responses were evaluated, yielding a 99.7% response rate.p.1
• The study selected 24 licensed banks operating in Dar es Salaam that had been active for at least 12 years out of 36 banks in the region.p.3
• Male respondents accounted for 73% (252 participants) of the sample, while female respondents made up 27% (93 participants).p.5
• The largest age category among participants was 18–30 years at 47% (162 people), followed by the 31–40 age group at 42%.p.5
• Although employees expressed general digital confidence, 77% indicated that they required additional skills to use 4IR technologies effectively.p.7
• An overall favorable attitude towards digital banking technologies was reported by 97% of survey participants, with 3% responding as neutral.p.9
• In the ordinal regression analysis, attitude towards technology (ATT) was the only statistically significant explanatory variable with an estimate of 2.535 (p = .006).p.11

Key insights

1. Spearman rank correlations showed that intention to use digital banking (ITU) had positive associations with attitude (ρ = .698) and perceived ease of use (ρ = .590).p.10
2. Ordinal regression demonstrated that attitude (ATT) was the sole statistically significant predictor of intention to use digital banking technologies among the tested constructs.p.11
3. Cronbach's alpha calculations indicated good internal consistency for most constructs, though staff IT proficiency (ITP) recorded a lower value of 0.566.p.9
4. Perceived usefulness of 4IR banking technologies was high, with 74% of participants strongly agreeing that digital tools allow them to complete tasks more quickly.p.6
5. While 47% of employees strongly agreed that bank infrastructure supported 4IR systems, access to specific learning resources was evaluated negatively by 42% of respondents.p.8
6. The educational profile of the bank staff surveyed was high, with 82% holding a university degree and 16% possessing postgraduate qualifications.p.5