Customer perception of adoption and use of digital financial services and mobile money services in Uganda

Purpose This paper aims to investigate the impact of fintech, mobile money and digital financial services in Uganda factors impacting adoption services. The study will also determine their social through inclusion Ugandan market. Design/methodology/approach covers use Uganda. A case approach was used a survey questionnaire for 400 randomly selected participants within Kampala region. Questionnaire designed measure customer perception including agency banking. Findings is driven by devices penetration need access products unbanked. Results support CGAP (2013) that observed based on two key variables: network interactions segment customers who can be described as technology leaders (early adopters). There has been positive person transfers, grocery payments providers have continue simplify bring convenience bottom pyramid. And positively impacts sustainable developmental goals covering Gender Equality (SDG5), SDG 8 – Decent Work Economic Growth; expanding 10 Reduce Inequalities. Research limitations/implications limitations commonly prevalent with qualitative research, small size limited challenges making generalisations beyond this context. Practical implications might serve valuable source information government fintech companies developing ecosystem well students academics further studies area. Originality/value serves one first research papers concerning adoption, solely focused Its value its showcasing importance among emerging markets.