A skills perspective on the adoption and use of mobile money services in Uganda

Rebecca I. Kiconco (Corresponding author), Gerrit Rooks, Giacomo Solano, Uwe Matzat

Research output: Contribution to journalArticleAcademicpeer-review

16 Citations (Scopus)


Adoption rates of mobile financial services within sub-Saharan Africa still appear to be below par. The 2016 Groupe Spéciale Mobile Association report shows that over 60 per cent of the adult population in sub- Saharan Africa do not use mobile financial services. We investigate how cognitive resources, namely, mobile phone skills and English literacy, influence the use of mobile financial services. We test our hypotheses using a sample of 208 individuals from an urban location in Central Uganda. We measure actual mobile phone skill using a newly developed scale. The results show that a marginal increase in mobile phone skills has a strong effect on the odds of adopting mobile money, but a less strong effect on the extent to which the functionalities of the mobile money application are used. On the other hand, English literacy has no influence on both adoption and the magnitude of services individuals use.

Original languageEnglish
Pages (from-to)724-738
Number of pages15
JournalInformation Development
Issue number5
Publication statusPublished - 1 Nov 2019


  • adoption
  • English literacy
  • mobile money
  • mobile phone skills
  • variety of use


Dive into the research topics of 'A skills perspective on the adoption and use of mobile money services in Uganda'. Together they form a unique fingerprint.

Cite this