IDEAS home Printed from https://ideas.repec.org/p/hal/journl/hal-05547005.html

Role of Mobile Savings Services in Accelerating Financial Inclusion in Nsiika Town Council, Buhweju District, Uganda

Author

Listed:
  • Olorunnisola Abiola Olubukola

    (Kampala International University, Kampala, Uganda)

  • Aine Oman

    (Kampala International University, Kampala, Uganda)

  • Manyange Micheal

    (Kampala International University, Kampala, Uganda)

  • Olaiya Sanya Peter

    (Kampala International University, Kampala, Uganda)

  • Matovu Juma

    (Kampala International University, Kampala, Uganda)

Abstract

Financial inclusion is essential for all individuals in the community reflecting affordability, accessibility and reliability of financial services particularly in Nsiika town council, Buhweju district, Uganda where the levels of financial inclusion are still very low with only 16% of the mature population keeping their funds at official deposit taking organizations and now with introduction of mobile money services, it is considered a major factor. The main purpose of the study is to

Suggested Citation

  • Olorunnisola Abiola Olubukola & Aine Oman & Manyange Micheal & Olaiya Sanya Peter & Matovu Juma, 2025. "Role of Mobile Savings Services in Accelerating Financial Inclusion in Nsiika Town Council, Buhweju District, Uganda," Post-Print hal-05547005, HAL.
  • Handle: RePEc:hal:journl:hal-05547005
    DOI: 10.9734/ajeba/2025/v25i91974
    Note: View the original document on HAL open archive server: https://hal.science/hal-05547005v1
    as

    Download full text from publisher

    File URL: https://hal.science/hal-05547005v1/document
    Download Restriction: no

    File URL: https://libkey.io/10.9734/ajeba/2025/v25i91974?utm_source=ideas
    LibKey link: if access is restricted and if your library uses this service, LibKey will redirect you to where you can use your library subscription to access this item
    ---><---

    References listed on IDEAS

    as
    1. Ahmed, Haseeb & Cowan, Benjamin, 2021. "Mobile money and healthcare use: Evidence from East Africa," World Development, Elsevier, vol. 141(C).
    2. Helena Susana Amaral Geraldes & Ana Paula Matias Gama & Mário Augusto, 2022. "Reaching Financial Inclusion: Necessary and Sufficient Conditions," Social Indicators Research: An International and Interdisciplinary Journal for Quality-of-Life Measurement, Springer, vol. 162(2), pages 599-617, July.
    3. Nicholas Economides & Przemyslaw Jeziorski, 2017. "Mobile Money in Tanzania," Marketing Science, INFORMS, vol. 36(6), pages 815-837, November.
    4. Elhadj Ezzahid & Zakaria Elouaourti, 2021. "Financial inclusion, mobile banking, informal finance and financial exclusion: micro-level evidence from Morocco," International Journal of Social Economics, Emerald Group Publishing Limited, vol. 48(7), pages 1060-1086, April.
    5. Désiré Avom & Chrysost Bangake & Hermann Ndoya, 2023. "Do financial innovations improve financial inclusion? Evidence from mobile money adoption in Africa," Post-Print hal-04125452, HAL.
    6. Avom, Désiré & Bangaké, Chrysost & Ndoya, Hermann, 2023. "Do financial innovations improve financial inclusion? Evidence from mobile money adoption in Africa," Technological Forecasting and Social Change, Elsevier, vol. 190(C).
    Full references (including those not matched with items on IDEAS)

    Most related items

    These are the items that most often cite the same works as this one and are cited by the same works as this one.
    1. Dao Ha & Phuong Le & Duc Khuong Nguyen, 2025. "Financial inclusion and fintech: a state-of-the-art systematic literature review," Financial Innovation, Springer;Southwestern University of Finance and Economics, vol. 11(1), pages 1-42, December.
    2. Wang, Jiaxin & Zhao, Mu & Huang, Xiang & Sun, Di & Song, Zilong, 2023. "Guidance or misguidance: Fintech policy and corporate innovation," Finance Research Letters, Elsevier, vol. 58(PD).
    3. Mbate, Michael & Fall, El Hadji, 2025. "Financial inclusion and energy access: Evidence from Kenya," Innovation and Green Development, Elsevier, vol. 4(2).
    4. Bakouan, Pousseni & Sawadogo, Relwendé, 2024. "BioTrade and income inequality: Does frontier technology readiness matter?," Structural Change and Economic Dynamics, Elsevier, vol. 70(C), pages 650-665.
    5. Hoque, Md Mahfuzul & Kummer, Tyge-F. & Yigitbasioglu, Ogan, 2024. "How can blockchain-based lending platforms support microcredit activities in developing countries? An empirical validation of its opportunities and challenges," Technological Forecasting and Social Change, Elsevier, vol. 203(C).
    6. Broekhoff, Marie-Claire & van der Cruijsen, Carin & de Haan, Jakob, 2024. "Towards financial inclusion: Trust in banks’ payment services among groups at risk," Economic Analysis and Policy, Elsevier, vol. 82(C), pages 104-123.
    7. Mohammed Hersi Warsame & Yousif Abdelbagi Abdalla, 2024. "Impact of mobile financial services on financial inclusion: empirical insights from Kenya," International Review of Economics, Springer;Happiness Economics and Interpersonal Relations (HEIRS), vol. 71(3), pages 633-666, September.
    8. Yeremia Natanael, 2025. "Digital services exports and frontier technology readiness: cross-country evidence from emerging and advanced economies," International Economics and Economic Policy, Springer, vol. 22(3), pages 1-31, July.
    9. Affandi, Yoga & Ridhwan, Masagus M. & Trinugroho, Irwan & Hermawan Adiwibowo, Danny, 2024. "Digital adoption, business performance, and financial literacy in ultra-micro, micro, and small enterprises in Indonesia," Research in International Business and Finance, Elsevier, vol. 70(PB).
    10. Samuel Tawiah Baidoo & Agnes Gyamfuaa Okyere & Charles Mensah Asiedu & Jennifer Asare-Lah & Richmond Akankpaboka Atuga & Richmond Odjidja & Rita Acquah, 2025. "Promoting business start-ups and expansion among women in Ghana: the role of mobile money technology," SN Business & Economics, Springer, vol. 5(1), pages 1-24, January.
    11. Lucas A. Mariani & Jose Renato Haas Ornelas & Bernardo Ricca, 2023. "Banks’ Physical Footprint and Financial Technology Adoption," Working Papers Series 576, Central Bank of Brazil, Research Department.
    12. Yanwen Wang & Chunhua Wu & Ting Zhu, 2019. "Mobile Hailing Technology and Taxi Driving Behaviors," Marketing Science, INFORMS, vol. 38(5), pages 734-755, September.
    13. Ashley Blair Simpson & Zack Zimbalist, 2025. "Bypassing Bribes: Mobile Money and Corruption in Africa," Journal of International Development, John Wiley & Sons, Ltd., vol. 37(7), pages 1454-1472, October.
    14. Fernando E. Alvarez & David Argente & Francesco Lippi & Esteban Méndez & Diana Van Patten, 2023. "Strategic Complementarities in a Dynamic Model of Technology Adoption: P2P Digital Payments," NBER Working Papers 31280, National Bureau of Economic Research, Inc.
    15. Dalton, Patricio & Pamuk, Haki & Ramrattan, R. & van Soest, Daan & Uras, Burak, 2018. "Payment Technology Adoption and Finance : A Randomized-Controlled-Trial with SMEs," Other publications TiSEM 82d89846-b515-41c7-b431-5, Tilburg University, School of Economics and Management.
    16. Sunday C. Eze & Vera C. A. Chinedu-Eze & Hart O. Awa, 2021. "Key Success Factors (KSFs) Underlying the Adoption of Social Media Marketing Technology," SAGE Open, , vol. 11(2), pages 21582440211, April.
    17. Ablam Estel Apeti & Jean-Louis Combes & Eyah Denise Edoh, 2023. "Entrepreneurship in developing countries: can mobile money play a role?," Working Papers hal-04081304, HAL.
    18. Shijun Chai & Hao Qi, 2025. "Mobile Payments and Households’ Over-indebtedness: Micro Evidence Based on Subjective and Objective Perspectives," SAGE Open, , vol. 15(4), pages 21582440251, October.
    19. Alliou Salihini DIARRASSOUBA & Sylvain N’GUESSAN & Xavier Fabrice Mea ANZARA & Tito Nestor TIEHI, 2025. "Fintech Contribution to Health Sector Performance in Waemu," Bulletin of Applied Economics, Risk Market Journals, vol. 12(2), pages 149-163.
    20. Sant'Anna, Dário A.L.M. & Figueiredo, Paulo N., 2024. "Fintech innovation: Is it beneficial or detrimental to financial inclusion and financial stability? A systematic literature review and research directions," Emerging Markets Review, Elsevier, vol. 60(C).

    More about this item

    Keywords

    ;
    ;
    ;
    ;
    ;
    ;
    ;

    NEP fields

    This paper has been announced in the following NEP Reports:

    Statistics

    Access and download statistics

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:hal:journl:hal-05547005. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    If CitEc recognized a bibliographic reference but did not link an item in RePEc to it, you can help with this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: CCSD (email available below). General contact details of provider: https://hal.archives-ouvertes.fr/ .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.