Journal Contents: International Journal of ICT Research in Africa and the Middle East (IJICTRAME)

Edigar Myula Msangawale (The Institute of Finance Management, Dar Es Salaam, Tanzania), Ellen Kalinga (University of Dar Es Salaam, Tanzania), Honest Kimaro (University of Dar Es Salaam, Tanzania), Faraja Igira (The Institute of Finance Management, Dar Es Salaam, Tanzania)

Renatus Michael Mushi (Institute of Finance Management, Tanzania)

Hy Nhu Le (Utrecht University, The Netherlands), Sietse Overbeek (Utrecht University, The Netherlands), Diana van der Stelt (Maxim Nyansa IT Solutions Foundation, Ghana), Sergio España (Utrecht University, The Netherlands)

Charles Buabeng-Andoh (University of Education, Winneba, Ghana)

Manar Altamimi (Princess Nourah Bint Abdulrahman University, Kingdom of Saudi Arabia, & University of Southampton, UK), Gary Wills (University of Southampton, UK), Nawfal Al Hashimy (University of Southampton, UK)

Hussein Abubakar Bakiri (Institute of Finance Management, Tanzania), Nerey H. Mvungi (University of Dar es Salaam, Tanzania), Hamisi Ndyetabura (University of Dar es Salaam, Tanzania), Libe Valentine Massawe (University of Dar es Salaam, Tanzania), Hellen Maziku (University of Dar es Salaam, Tanzania)

Folakemi Favour Kayode (Federal University of Technology, Akure, Nigeria)

Hasifah Kasujja Namatovu (Makerere University, Kampala, Uganda), Tonny J. Oyana (Makerere University, Kampala, Uganda)

Sunday Olufemi Akintelu (Department of Business Administration, Samuel Adegboyega University, Ogwa, Nigeria), Simon Awojide (Department of Computer Sciences, Samuel Adegboyega University, Ogwa, Nigeria), Amos Olufemi Akinbola (Department of Business Administration, Federal University of Agriculture, Abeokuta, Nigeria), Waliu Mulero Adegbite (National Centre for Technology Management (NACETEM), Obafemi Awolowo Univeristy, Ile-Ife, Nigeria)

Agnes Rwashana Semwanga (School of Computing and Informatics Technology, Makerere University, Uganda), Evelyn Kigozi Kahiigi (School of Computing and Informatics Technology, Makerere University, Uganda)

Oluwatoyin C. Agbonifo (Federal University of Technology, Akure, Nigeria), Samuel I. Olotu (Federal University of Technology, Akure, Nigeria), Toyosi A. Oluwatusin (Federal University of Technology, Akure, Nigeria)

Benjamin Ghansah (University of Education, Winneba, Ghana), Ben-Bright Benuwa (University of Education, Winneba, Ghana)

Damas A. Makweba (Dar es Salaam Institute of Technology, Tanzania), Daudi Samson Simbeye (Dar es Salaam Institute of Technology, Tanzania)

Adeola O. Opesade (University of Ibadan, Nigeria), Mercy O. Afolayan (University of Ibadan, Nigeria)

Frank Makoza (Cape Peninsula University of Technology, South Africa)

Ernest Akpaku (University of Ghana, Ghana)

Nana Yaw Asabere (Accra Technical University, Accra, Ghana), Eric Amoako (Accra Technical University, Accra, Ghana)

Prakash Bhagwan Dongardive (Mekelle University, Mek'ele, Ethiopia)

Herman E. Mandari (The Institute of Finance Management, Dar es Salaam, Tanzania), Daniel Ntabagi Koloseni (The Institute of Finance Management, Dar es Salaam, Tanzania), Julius Macha (The Institute of Finance Management, Dar es Salaam, Tanzania)

Agnes Rwashana Semwanga (Makerere University College of Computing and Information Sciences, Kampala, Uganda), Alice Mary Atwine (Makerere University College of Computing and Information Sciences, Kampala, Uganda)

Darrell Norman Burrell (The Florida Institute of Technology, Melbourne, USA)

Frank Makoza (Cape Peninsula University of Technology, Cape Town, South Africa)

Deogratius Mathew Lashayo (Department of Computer Science and Mathematics, The Institute of Finance Management (IFM), Dar es Salaam, Tanzania)

Acheampong Owusu (Business School, University of Ghana, Ghana), Obed Kwame Adzaku Penu (Business School, University of Ghana, Ghana), Frederick Edem Broni Jr. (Business School, University of Ghana, Ghana)

Nana Yaw Asabere (Accra Technical University, Ghana), Joseph Agyiri (Accra Technical University, Ghana), Amevi Acakpovi (Accra Technical University, Ghana), Abraham Nachanja (Accra Technical University, Ghana), Priscilla Awuku (Accra Technical University, Ghana)

Neeta Baporikar (Namibia University of Science and Technology, Namibia & University of Pune, India), Sigried Shikokola (Ministry of Safety and Security, Namibia)

Christopher Nkiko (Elizade University, Ilara-Mokin, Nigeria), Edwin Iroroeavwo Achugbue (Delta State University, Abraka, Nigeria), Omorodion Okuonghae (Samuel Adegboyega University, Ogwa, Nigeria)

Alice Etim (Winston-Salem State University, USA), David N. Etim (University of Connecticut, Storrs, USA), George Heilman (Winston Salem State University¸ Winston-Salem, USA)

Betül Gür (Istanbul Commerce University, Istanbul, Turkey)

Maurice Dawson (Department of Information Technology and Management, Illinois Institute of Technology, Chicago, USA), Damon Walker (University of Missouri - Saint Louis, St. Louis, USA), Simon Cleveland (City University of Seattle, Seattle, USA)

Vida Davidavičienė (Vilnius Gediminas Technical University, Vilnius, Lithuania), Jurgita Raudeliūnienė (Vilnius Gediminas Technical University, Vilnius, Lithuania), Saulius Putrimas (JSC “Vasniukas”, Vilnius Region, Lithuania)

Daniel Deogratus (Makerere University, Kampala, Uganda), Gilbert Maiga (Makerere University, Kampala, Uganda), Emmanuel Eilu (Uganda Christian University, Mukono, Uganda & Mbale University College, Mbale, Uganda)

Tapiwanashe Miranda Sanyanga (Chinhoyi University of Technology, Chinhoyi, Zimbabwe), Munyaradzi Sydney Chinzvende (Chinhoyi University of Technology, Chinhoyi, Zimbabwe), Tatenda Duncan Kavu (Chinhoyi University of Technology, Chinhoyi, Zimbabwe), John Batani (Chinhoyi University of Technology, Chinhoyi, Zimbabwe)

Lubasi Kakwete Musambo (University of Zambia, Lusaka, Zambia), Jackson Phiri (University of Zambia, Lusaka, Zambia)

Nathaniel O. Agola (Graduate School of Global Studies, Doshisha University, Kyoto, Japan)

Eyal Zisser (Tel Aviv University, Tel Aviv, Israel)

Ignatius Ekanem (Business School, Middlesex University, London, UK), Gbolahan Emeka Abiade (Business School, Middlesex University, London, UK)

Amir Manzoor (Management Sciences Department, Bahria University, Karachi, Pakistan)

Dennis Lupiana (Faculty of Computing, Information Systems and Mathematics, Institute of Finance Management, Dar es Salaam, Tanzania), Kudakwashe Dube (Massey University, Auckland, New Zealand), Fredrick Mtenzi (Dublin Institute of Technology, Dublin, Ireland)

Peter G. Raeth (AmeriTech, Beavercreek, USA)

Mwanaidi Shafii Msuya (College of Business Education (CBE), Dar es Salaam, Tanzania)

Omari Gabriel (Ministry of Constitutional and Legal Affairs, Dar es Salaam, Tanzania), Dennis Lupiana (Faculty of Computing, Information Systems and Mathematics, Institute of Finance Management, Dar es Salaam, Tanzania)

William Clifford Gomera (College of Business Education (CBE), Dar es Salaam, Tanzania & School of Computing, University of Eastern Finland (UEF), Joensuu, Finland), George S. Oreku (Department of Information and Communication Technologies, The Open University of Tanzania (OUT), Dar es Salaam, Tanzania; North West University, Vanderbijlpark, South Africa; & School of Computing, University of Eastern Finland (UEF), Joensuu, Finland)

Dennis M. Lupiana (Institute of Finance Management, Tanzania), Said Jafari (Institute of Finance Management, Dar es Salaam, Tanzania), Kuda Dube (Massey University, Auckland, New Zealand), Fred Japhet Mtenzi (Dublin Institute of Technology, Dublin, Ireland)

Tatenda D. Kavu (University of Zimbabwe, Harare, Zimbabwe), Kuda Dube (Massey University, Auckland, New Zealand), Peter G. Raeth (University of Zimbabwe, Harare, Zimbabwe), Gilford T. Hapanyengwi (University of Zimbabwe, Harare, Zimbabwe)

Renatus Mushi (Institute of Finance Management, Dar es Salaam, Tanzania), Said Jafari (Institute of Finance Management, Dar es Salaam, Tanzania), Almar Ennis (Dublin City University, Dublin, Ireland)

Said Jafari (Institute of Finance Management, Dar es Salaam, Tanzania)

Rahma Bashary (Institute of Finance Management, Dar es Salaam, Tanzania), Dennis M. Lupiana (Institute of Finance Management, Tanzania)

Okanlade Adesokan Lawal-Adebowale (University of Agriculture, Abeokuta, Nigeria)

Tatenda Duncan Kavu (Chinhoyi University of Technology, Chinhoyi, Zimbabwe), Tinotenda Godknows Nyamandi (Chinhoyi University of Technology, Chinhoyi, Zimbabwe), Alleta Chirinda (Chinhoyi University of Technology, Chinhoyi, Zimbabwe), Talent T. Rugube (Chinhoyi University of Technology, Chinhoyi, Zimbabwe), Kudzai Zishumba (Chinhoyi University of Technology, Chinhoyi, Zimbabwe)

Osadebamwen Anthony Ogbeide (Agribusiness Services, Adelaide, Australia), Ideba Ele (Department of Agricultural Economics, University of Calabar, Calabar, Nigeria)

John N. Walubengo (Multimedia University of Kenya, Nairobi, Kenya), Sam Takavarasha Jr (University of Zimbabwe, Harare, Zimbabwe)

Wondmeneh Getnet Walelign (Department of Rural Development and Agricultural Extension, Haramaya University, Dire Dawa, Ethiopia), Jemal Yousuf Hassen (Department of Rural Development and Agricultural Extension, Haramaya University, Dire Dawa, Ethiopia), Endalew Getnet Walelign (Department of Rural Development and Agricultural Extension, Haramaya University, Dire Dawa, Ethiopia)

Frank Makoza (Department of Information Systems, University of Cape Town, Cape Town, South Africa), Wallace Chigona (Department of Information Systems, University of Cape Town, Cape Town, South Africa)

Boaz Stanslaus Kiberiti (Sokoine University of Agriculture, Morogoro, Tanzania), Camilius Aloyce Sanga (Sokoine University of Agriculture, Morogoro, Tanzania), Mussa Mussa (Sokoine University of Agriculture, Morogoro, Tanzania), S. D. Tumbo (Centre for Agric. Mechanization and Rural Technologies, Arusha, Tanzania), Malongo R.S. Mlozi (Sokoine University of Agriculture, Morogoro, Tanzania), Ruth Haug (Norwegian University of Life Sciences, NMBU, Norway)

Ildephonse Musafiri (University of Rwanda, Kigali, Rwanda)

Dennis M. Lupiana (Institute of Finance Management, Tanzania), Said Jafari (Institute of Finance Management, Dar es Salaam, Tanzania), Kuda Dube (Massey University, Auckland, New Zealand), Fred Japhet Mtenzi (Dublin Institute of Technology, Dublin, Ireland)

Veronica Mironge (Institute of Finance Management, Dar es Salaam, Tanzania), Dennis M. Lupiana (Institute of Finance Management, Tanzania)

William Gomera (University of Eastern Finland (UEF), Finland & College of Business Education (CBE), Dar Es Salaam, Tanzania), George Oreku (University of Eastern Finland, Finland & North West University, South Africa & Tanzania Industrial Research and Development Organization (TIRDO), Dar es Salaam, Tanzania)

Daudi Samson Simbeye (Computer Studies Department, Dar es Salaam Institute of Technology, Dar es Salaam, Tanzania)

Renatus Mushi (Institute of Finance Management, Dar es Salaam, Tanzania), Said Jafari (Institute of Finance Management, Dar es Salaam, Tanzania)

Fredrick Japhet Mtenzi (Dublin Institute of Technology, Ireland & Aga Khan University, Tanzania)