Skip to main content

Mobile Money in Uganda


Identify customer needs and promising innovations that can increase digital financial services adoption, while building a path forward for key actors in the system to own those solutions. partnered with the Bill & Melinda Gates Foundation (Gates Foundation) to increase uptake and use of digital financial services (DFS) in Tanzania and Uganda. This particular stream of work explored why digital financial services have not been adopted by those who need them most in Tanzania and Uganda by using various methods to identify customer needs and promising innovations that can increase digital financial services adoption, while building a path forward for key actors in the system to own those solutions.


Our goal was to support IDEO.ORG to complete two nationally representative surveys conducted in-person, each with approximately 1500 respondents across Uganda. The purpose of the first survey, which was completed in January 2016, was to understand fundamental challenges surrounding Digital Financial Services (DFS) and covered a range of key questions about mobile money, specifically with an emphasis on people’s financial behaviours and attitudes, their current mobile-money experience, where people perceive value, how people interact with mobile technology & in-person services as well as their perceptions around banks & financial services

The purpose of the second survey, which will be conducted in the last quarter of 2016 will be to understand reactions to prototypes. Both surveys are meant to validate learnings from’s field research and prototypes with a nationally representative sample.

Consolidated map of different ICT infrastructure


KCL conducted secondary research and come up with a multi-stage stratified sample design, working with the Uganda Bureau of Statistics (UBOS) to derive a nationally representative sample from the national census sample frame for the recently concluded population census to underpin the survey data collection. The team designed and pilot-tested a survey questionnaire aimed at individual respondents who had to be 15 years or older to participate. KCL recruited and trained four field teams each consisting of one supervisor and 4 enumerators who were dispatched to different locations. The country was divided into 4 operational zones—central, eastern, northern and western based on language and logistical efficiency.

We deployed an Open Data Kit (ODK) platform, a free and open source platform for collecting data accurately, quickly, offline and at scale using mobile phones and tablets. Each enumerator was equipped with a 7” android tablet to facilitate electronic capture of interviewee responses. Each team was equipped with a generator and a 12-socket extension dock that could be used to recharge the tablets in areas that had no power.

KCL also supported during qualitative fieldwork in Uganda. This included supporting research planning, recruiting research participants, scheduling research interviews, recruiting and hiring translators, recruiting and hiring drivers, and providing additional support to the research team in the field. 


The weighted sample had rural and female bias, reflecting the national population. The data was analysed in terms of mobile money registration, user proficiency in completing mobile money transactions, financial behaviours and attitudes and mobile money agent dynamics as well as comparing use of mobile money and formal financial institutions. Most respondents were below 34 years old and across the whole population of potential users (15+), awareness of mobile money is quite high, although registration and use still lags.

Having synthesised the results, the team identified opportunities that the partners could leverage to inform the design of improved digital-financial services and experiences.

For more information about, visit the website.

Contact us.

Want to work with us? Come visit us for a chat
or just let us know by email or phone (or letter, anyone out there still write those?)

  • #

    address Plot 1209, Mbogo road 1, Najjera

  • #

    Phone +256 757 561 313

  • Email consult [at]

Get in touch!

Tell us about your project or drop us a line. We'd love to hear from you.