Journal of Co-operative and Business Studies (JCBS) <p align="justify">The Journal of cooperative and Business Studies (JCBS) is one of the bi-annual journals of the Moshi Cooperative University (MoCU) publishing articles in the area of co-operative development and business management. The articles include research works, book reviews, book chapters, article reviews, and case studies. Publishable articles focus on the co-operative theory, practical experiences, and policy issues related to cooperative development and business management. It is a peer-reviewed journal with a special focus on the associative economy of economically active low-income producers, distributors, and consumers.</p> Moshi Co-operative University en-US Journal of Co-operative and Business Studies (JCBS) 0856-9037 Desirable ICT Interventions for Climate Change Mitigation in Rural Arusha, Tanzania <p>The world is changing due to climate change. Numerous interventions have been put in place to mitigate climate change effects. The use of Information and Communication Technologies (ICTs) is among the instruments for such interventions. However, studies have indicated that the majority of ICT-based solutions lack clear focus on the type of user/community they are targeting. As a result, some of these solutions fail to meet expectations of contributing to mitigation of the climate change effects. It is on these grounds that the present study was conducted to investigate desirable ICTs interventions for climate change mitigation in rural areas. The study employed a cross-sectional research design. Data was collected from 120 randomly selected respondents drawn from four villages in the Arumeru district, Arusha, Tanzania. The collected data were analysed through descriptive and qualitative methods. Findings revealed that 57.5% of the respondents had primary education while 11.7% had not attended any formal education. Moreover, 73.3% of them often use dumbphones, unlike other ICT gadgets like smartphones, tablets and computers. While that was the case, 43.3% of the respondents were unaware of climate change. Evident from the findings is a substantial reliance on basic mobile phones, with a notable lack of awareness about climate change among study participants. It is recommended that there is a need for ICT stakeholders to consider developing mobile-based educational tools and resources relevant to rural contexts. The three factors i.e., literacy level, type of ICT used, and basic understanding of climate change are ideal aspects to be considered when one is planning for the type of ICT interventions for climate change causes, effects, and mitigations especially in rural areas.</p> George Matto Luka Njau Copyright (c) 2024 Journal of Co-operative and Business Studies (JCBS) 2024-04-04 2024-04-04 7 2 10.2023/jcbs.v7i2.315 Cyber Security Dynamics and Usage of Mobile Banking Services Among Commercial Bank Customers in Tanzania <p>Recent developments in the banking sector have greatly improved bank customers' access to and use of banking services. However, such development in the industry is subjected to various risks, causing mistrust of the banking infrastructures among its users. Using the Extended Parallel Process Model (EPPM) and Trust Theory, this paper aims to examine cyber security dynamics that affect commercial customers' decisions to use mobile banking services in Tanzania. By adopting a cross-sectional research design and Partial least squares structural equation modelling (PLS-SEM), this study found that customers' self-assessment, customers' decision to take risks and customers' confidence in Automated Teller Machines (ATM) applications have a positive and significant effect on mobile banking services usage. Moreover, the findings indicate that access to passwords has a negative significant relationship with mobile banking services usage. The influence of customers' trust in mobile phone applications was conformed insignificant towards mobile banking services usage. Based on these findings, a positive evaluation of the potential cyber risks and security measures enhances customers' trust and confidence when adopting and utilising mobile banking services. Thus, customers should be aware and carefully consider possible risks associated with mobile banking and adopt a sensible approach to cybersecurity while taking proactive measures to help protect their financial information.</p> Emmanuel Mkilia Jones Kaleshu Alfred Sife Copyright (c) 2024 Journal of Co-operative and Business Studies (JCBS) 2024-04-04 2024-04-04 7 2 10.2023/jcbs.v7i2.314