Browsing by Author "Night James Phebe"

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    The Impact of FinTech in Financial Services.
    (Uganda Christian University, 2025-09-15) Night James Phebe
    This study examined the Impact of Financial Technology (FinTech) on financial services in Mukono District, Uganda between 2016 and 2024. It explored how mobile money adoption, agent banking and internet penetration influence financial access, transaction efficiency, SME revenue growth and customer satisfaction. Using a mixed-methods design with 267 respondents, the study found that over 70% of previously unbanked individuals now use digital finance tools, saving time and money. SMEs reported improved sales and cash flow. Despite benefits, challenges like fraud, poor digital literacy and limited rural connectivity persist. The study concludes that FinTech significantly enhances financial inclusion in Mukono and recommends stronger policies, consumer education and innovation to sustain progress. Key words: FinTech, Mobile Money, Agent Banking, Financial Inclusion, Mukono, Uganda