Financial Literacy, Attitude and Adoption of Digital Financial Services by Employees of Smes in Wakiso District.
| dc.contributor.author | Nabunya Flavia Agnes | |
| dc.date.accessioned | 2026-07-09T13:34:47Z | |
| dc.date.available | 2026-07-09T13:34:47Z | |
| dc.date.issued | 2025-11-10 | |
| dc.description | This is a master's thesis. | |
| dc.description.abstract | The purpose of the study was to examine the relationship between financial literacy, attitude towards digital financial services, and the adoption of digital financial services by employees of SMEs in Wakiso District. Basing on the following objectives; to examine the relationship between financial literacy and adoption of digital financial services by employees of small and medium enterprises (SMEs) in Wakiso District, to examine the relationship between attitude and the adoption of digital financial services among employees of small and medium enterprises (SMEs) in Wakiso District, and to examine the mediating effect of attitude on the relationship between financial literacy and the adoption of digital financial services among employees of small and medium enterprises (SMEs) in Wakiso District. The design used in this study was a cross-sectional design with a pure quantitative approach. A sample size of 383 SME employees was determined using Krejcie and Morgan’s (1970) table. The study adopted a cluster sampling technique, suitable for geographically scattered populations. Data for the study was collected from primary sources through structured questionnaires administered to individual employees of SMEs in Wakiso District. Both descriptive and inferential statistics were used to analyze the data collected for the study. Descriptive statistics such as frequencies, percentages, were used. Furthermore, the Sobel test was employed to assess the mediating effect of financial literacy between attitudes and the adoption of digital financial services. Statistical software such as SPSS was used to ensure accurate interpretation of the data, which was presented using tables, charts, and graphs for clarity and comprehensiveness. Findings revealed that the study concludes that both financial literacy and attitude have significant positive relationships with the adoption of digital financial services among SME employees in Wakiso District. However, financial literacy explains only a small portion of adoption behavior, and attitude, while influential, has a weak effect. Importantly, attitude does not significantly mediate the relationship between financial literacy and adoption, indicating that financial literacy primarily affects adoption directly. These findings suggest that while improving financial literacy and shaping positive attitudes are important, broader factors must also be addressed to enhance digital financial service adoption. | |
| dc.description.sponsorship | Assoc.Prof.Samuel V.Malay (Makerere University Business School) & Ms. Stella Eva Nakalema (Makerere University Business School) | |
| dc.identifier.citation | Nabunya, .F. A (2025) Financial Literacy, Attitude and Adoption of Digital Financial Services by Employees of Smes in Wakiso District. (unpublished master's dissertation). Makerere University Business School, Kampala, Uganda. | |
| dc.identifier.uri | http://hdl.handle.net/20.500.12282/5781 | |
| dc.language.iso | en | |
| dc.publisher | Makerere University Business School | |
| dc.rights | Attribution-NonCommercial-NoDerivs 3.0 United States | en |
| dc.rights.uri | http://creativecommons.org/licenses/by-nc-nd/3.0/us/ | |
| dc.title | Financial Literacy, Attitude and Adoption of Digital Financial Services by Employees of Smes in Wakiso District. | |
| dc.type | Thesis |