Conceptualizing digital finance as a precursor for financial inclusion and financial service usage in Uganda
This study conceptualizes digital finance as mobile banking, mobile money, and agent banking in the context of Uganda, and quantifies their influence on the usage levels of financial services. Data were collected from 290 lead households from 15 districts of Uganda, benefiting from the Uganda Multi-...
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| Format: | Article |
| Language: | English |
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Taylor & Francis Group
2025-12-01
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| Series: | Cogent Business & Management |
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| Online Access: | https://www.tandfonline.com/doi/10.1080/23311975.2024.2448285 |
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| author | Nickson Nagaaba Rehema Batamuriza James Basuta Maryvian Owomugisha |
| author_facet | Nickson Nagaaba Rehema Batamuriza James Basuta Maryvian Owomugisha |
| author_sort | Nickson Nagaaba |
| collection | DOAJ |
| description | This study conceptualizes digital finance as mobile banking, mobile money, and agent banking in the context of Uganda, and quantifies their influence on the usage levels of financial services. Data were collected from 290 lead households from 15 districts of Uganda, benefiting from the Uganda Multi-Sectoral Food Security and Nutritional Project (UMFSNP). Confirmatory factor procedures confirmed the digital finance structure, and individual path coefficients were determined to explain their relationship with financial inclusion and usage of financial services. These results indicate that mobile money and agent banking are significantly associated with financial inclusion. The results indicate that only agent banking influences the usage of financial services. Mobile banking does not impact financial inclusion and the usage of financial services. This study implicates financial institutions, funding interventions, and the government of Uganda to embrace the appropriate financial services that are affordable to vulnerable people. |
| format | Article |
| id | doaj-art-28eaa067995f461787aa9e8b4ba3b66b |
| institution | Kabale University |
| issn | 2331-1975 |
| language | English |
| publishDate | 2025-12-01 |
| publisher | Taylor & Francis Group |
| record_format | Article |
| series | Cogent Business & Management |
| spelling | doaj-art-28eaa067995f461787aa9e8b4ba3b66b2025-01-03T12:53:43ZengTaylor & Francis GroupCogent Business & Management2331-19752025-12-0112110.1080/23311975.2024.2448285Conceptualizing digital finance as a precursor for financial inclusion and financial service usage in UgandaNickson Nagaaba0Rehema Batamuriza1James Basuta2Maryvian Owomugisha3Faculty of Management Science, Muni University, Arua City, UgandaFaculty of Management Science, Muni University, Arua City, UgandaFaculty of Management Science, Muni University, Arua City, UgandaFaculty of Management Science, Muni University, Arua City, UgandaThis study conceptualizes digital finance as mobile banking, mobile money, and agent banking in the context of Uganda, and quantifies their influence on the usage levels of financial services. Data were collected from 290 lead households from 15 districts of Uganda, benefiting from the Uganda Multi-Sectoral Food Security and Nutritional Project (UMFSNP). Confirmatory factor procedures confirmed the digital finance structure, and individual path coefficients were determined to explain their relationship with financial inclusion and usage of financial services. These results indicate that mobile money and agent banking are significantly associated with financial inclusion. The results indicate that only agent banking influences the usage of financial services. Mobile banking does not impact financial inclusion and the usage of financial services. This study implicates financial institutions, funding interventions, and the government of Uganda to embrace the appropriate financial services that are affordable to vulnerable people.https://www.tandfonline.com/doi/10.1080/23311975.2024.2448285Digital financemobile bankingmobile moneyagent bankingfinancial inclusionfinancial services |
| spellingShingle | Nickson Nagaaba Rehema Batamuriza James Basuta Maryvian Owomugisha Conceptualizing digital finance as a precursor for financial inclusion and financial service usage in Uganda Cogent Business & Management Digital finance mobile banking mobile money agent banking financial inclusion financial services |
| title | Conceptualizing digital finance as a precursor for financial inclusion and financial service usage in Uganda |
| title_full | Conceptualizing digital finance as a precursor for financial inclusion and financial service usage in Uganda |
| title_fullStr | Conceptualizing digital finance as a precursor for financial inclusion and financial service usage in Uganda |
| title_full_unstemmed | Conceptualizing digital finance as a precursor for financial inclusion and financial service usage in Uganda |
| title_short | Conceptualizing digital finance as a precursor for financial inclusion and financial service usage in Uganda |
| title_sort | conceptualizing digital finance as a precursor for financial inclusion and financial service usage in uganda |
| topic | Digital finance mobile banking mobile money agent banking financial inclusion financial services |
| url | https://www.tandfonline.com/doi/10.1080/23311975.2024.2448285 |
| work_keys_str_mv | AT nicksonnagaaba conceptualizingdigitalfinanceasaprecursorforfinancialinclusionandfinancialserviceusageinuganda AT rehemabatamuriza conceptualizingdigitalfinanceasaprecursorforfinancialinclusionandfinancialserviceusageinuganda AT jamesbasuta conceptualizingdigitalfinanceasaprecursorforfinancialinclusionandfinancialserviceusageinuganda AT maryvianowomugisha conceptualizingdigitalfinanceasaprecursorforfinancialinclusionandfinancialserviceusageinuganda |