DHIKUSOOKA JOEL KISIBO2025-09-152025-09-152025-09-12https://hdl.handle.net/20.500.12311/2953Undergraduate ResearchThe study investigated the impact of online banking on the saving behaviour of students at Uganda Christian University (UCU), Mukono. The research focused on understanding the extent to which students use online banking services, the relationship between online banking and saving behaviour, and the challenges that students face in using these digital financial tools. A descriptive survey research design was adopted, combining both quantitative and qualitative approaches to provide a comprehensive analysis of students’ online banking habits and saving patterns. The study targeted BBA 3:2 students, with a sample of 64 respondents selected using simple random sampling, achieving a response rate of 82.8%. Findings revealed that the majority of students (75.5%) actively use online banking platforms, reflecting high adoption of digital financial services among university students. Students in Finance and Accounting disciplines were more likely to engage with online banking, likely due to their academic exposure to financial management concepts. Both male and female students were adequately represented, providing diverse perspectives on the role of technology in facilitating savings. The study established a positive but weak correlation between online banking usage and saving behaviour (r = 0.312, p = 0.027), suggesting that while online banking enhances saving habits, other factors such as financial literacy, income levels, and personal discipline also influence savings. Key motivators for using online banking included convenience, accessibility, and goal-oriented saving, while high transaction costs, poor internet connectivity, and limited digital financial literacy were identified as major challenges. Students expressed willingness to save more if user-friendly digital tools and campus awareness programs were available. The study concluded that online banking is a valuable tool for promoting disciplined saving behaviour among students at UCU, although institutional and technological support is required to maximize its impact. Recommendations include organizing workshops to improve digital financial literacy, enhancing campus internet connectivity, and designing student-friendly online saving tools. The study also suggested future research on comparative studies across universities, longitudinal tracking of saving behaviour, and the effects of digital financial interventions on students’ financial discipline.en