What question did this study set out to answer?

The study aims to understand the adoption of mobile payment systems among low-income households in Kampala.

March 7, 2026Open Access

Mobile Payment Systems Adoption Amongst Low-Income Households in Kampala: An Action Research Study

Key Points

The study aims to understand the adoption of mobile payment systems among low-income households in Kampala.
Conducted qualitative interviews with 50 households over one year
Focused on understanding challenges faced in using mobile payment systems
Explored small transaction trends among low-income users
Mobile payments primarily used for small transactions (up to $1)
Identified key challenges including lack of digital literacy
Financial security concerns were significant barriers to adoption
Suggested public awareness campaigns for digital education

Abstract

Mobile payment systems have gained traction in urban areas of Uganda but their adoption among low-income households remains underexplored. An action research study was conducted, involving qualitative interviews with 50 households over a period of one year. Mobile payments were predominantly used for small transactions (up to 1), reflecting the low-income nature of participants' incomes. Low-income households face significant challenges in adopting mobile payment systems, including lack of digital literacy and financial security concerns. Public awareness campaigns should focus on digital education and safety measures to enhance adoption rates.

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