Project Year



East Africa



Project Description

There are five mobile telephone providers (MTN-Uganda, Orange, Zain-Uganda, Warid and Uganda Telecom) out of which MTN-Uganda; Zain (Uganda) and Uganda Telecom, provide mobile money services. Nevertheless, there is a lack of knowledge with regard to the influence of fee structures on service uptake. The social psychological determinants of mobile money technology use and adoption remain not well understood. It is not adequately known how the fees compare with existing costs of value storage and transfer using traditional banking systems.

This study seeks the following goals: (a) examine fee structures of the various mobile money providers in Uganda; (b) relate the fee structure of the various money providers to uptake; (c) examine the social psychological determinants of mobile money technology use and adoption in Uganda; and (d) compare the fees with existing costs of value storage and transfer using traditional banking systems.


Bruno L. Yawe, Tinah Nassali

About the Researcher(s)

researcherBruno Lule Yawe has taught at the Faculty of Economics and Management, Makerere University since 1999. He holds a Bachelor of Science (Economics) Degree of Makerere University, Master of Arts (Economics) and Doctor of Philosophy (Economics) Degrees of the University of Dar es Salaam. He currently teaches Managerial Economics, Research Methodology and Mathematical Economics to undergraduates. At the graduate level, he teaches Health Economics, Macroeconomics for Policy Analysis, Microeconomics, Alternative Health Systems, International Health Care Systems and Managing Health Services. His PhD thesis is titled: “Technical Efficiency and Total Factor Productivity Growth in Uganda’s District Referral Hospitals”. He has attended several short courses in Econometric and Research methods, Computing Skills and the Measurement of Efficiency in Public Sector Organisations. He has consulted for local and international organisations in various areas. He received advanced training in Quantitative Methods, Economic Theory and elective courses in the fields of Health Economics and Financial Economics. His current research interests include but are not limited to: ICT and financial services; performance measurement (efficiency, equity, quality, effectiveness) in health care and education.

Tinah Nassali is an economist based in Uganda. Currently, she is the Research Coordination Assistant for the College of Business and Management Science, Makerere University Kampala Uganda. She obtained her bachelor honours degree in Development Economics after obtaining a state scholarship from the Republic of Uganda (2005-2008) and has since been engaged in research on different projects among which; The Economic Evaluation of Neglected- Tropical Diseases (NTD) Integrated Intervention funded by the SCI, Imperial College London (UK) and the Vector Control Division (VCD), Ministry of Health (MoH), Uganda (2008 – 2010) as a Research Coordinator, ‘Needs Assessment for Alternative Power Source for Paediatric Ward at Soroti Regional Referral Hospital’ funded by Malaria Consortium, Uganda (2009), The Export Capacity Supply Constraint project funded by the African Economic Research Consortium (AERC) in 2009, The Role of NGOs in Poverty Reduction of Uganda funded by the School of Economics, University of Nottingham, UK (2008 - 2009) as a Research Coordinator for the survey, Administrator for the Endline survey for an Impact Evaluation of water services in peri-urban Kampala funded by The World Bank and field supervision of data collection for a Poultry Value Chain Analysis focusing on identifying opportunities for improvement of the Poultry sector in Uganda funded by FAO (2010).

Synopsis of Research Results

Link to Bruno L. Yawe and Tinah Nassali's "Differences between Fee Structure of Mobile Money Technologies and Traditional Banking Systems, Social Psychological Determinants and Service Uptake: A Case Study of Uganda"


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