• Mobile Money Use in Uganda: A Preliminary Study – Ali Ndiwalana, Olga Morawczynski and Oliver Popov provide a study of mobile banking uses in Kampala, Uganda. Participants in their study are identified as typical early adopters, with high education, employment, and access to formal banking. Half of them both send and receive money via their mobile, while one quarter each only send or receive money. Sending money dominates transactions, mostly to family members; except for sender-receivers, who more commonly make payments. Buying airtime, in particular, is a common use; paying for transportation or hospital bills is seen as important, but satisfaction with these applications is low. Benefits of mobile banking are described as it being quick, accessible, and cheap; while drawbacks are agents' lack of liquidity and long queues there, as well as the risk of losing one's phone.

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