| dc.description.abstract | This study investigated diffusion of mobile money payment systems (MMPs) and their uptake in Uganda: a case of Nakawa women's saving groups. The study was founded on Rogers' (2003) diffusion of innovation theory, with particular emphasis on its key elements of innovation appropriateness, communication media, and social systems, and their relationship to the uptake of MMPs. The study was guided by the following research objectives: to establish the relationship between innovation’s appropriateness and the uptake of MMPs by women in Nakawa Women's saving groups; to examine the relationship between communication media and the uptake of MMPs by women in Nakawa Women's saving groups; to establish the association between social systems and the uptake of mobile money payment systems by women in Nakawa Women's saving groups; and to establish the moderating effect of macroeconomic factors of taxation and legal factors on the relationship between innovation diffusion factors on the uptake of MMPs by women in Nakawa Women's saving groups. The study was designed as a cross-sectional study and utilized primary data, which was collected using a semi-structured questionnaire from a population of 3051 members who formed 55 formally registered women's savings groups in the Nakawa division as of December 2020. Women's Saving Groups (WSGs) were the units of analysis, and WSG members were the units of inquiry. A sample of 346 members was determined using the Krejcie & Morgan Table and selected from 17 groups (31%), randomly sampled from a total of 55 groups using the cluster sampling technique. The researcher obtained members lists from selected groups and used systematic sampling, to selected 21 members from each group using an interval of 3 (every 3rd person) starting from member number 2 on the list. 266 participants, representing 76.9% of the targeted sample, fully participated in the study, and their data were considered for analysis. Research-specific objectives were addressed using quantitative techniques such as descriptive statistics, correlations, and regression analyses. The outcome of the study revealed that the appropriateness of innovation, communication media, and social systems has a significant positive impact on the uptake of MMPs. We recommend that mobile network operators improve the MMPs innovation to suit the needs of Women savings groups, communicate it through appropriate channels and language, and engage groups social structures in order to improve uptake. The theoretical and practical implications of the findings are discussed, and future research directions are proposed. | en_US |
