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Digital payment systems have become a cornerstone of consumer finance in Africa. Prominent payment categories include money transfer applications, mobile money, cryptocurrencies, stablecoins, and central bank digital currencies (CBDCs).…

Digital financial services have catalyzed financial inclusion in Africa. Commonly implemented as a mobile wallet service referred to as mobile money (MoMo), the technology provides enormous benefits to its users, some of whom have long been…

Utilizing mobile and social media platforms is a transformative approach to enhancing freedom of expression and fostering digital engagement. However, Uganda's digital ecosystem faces challenges such as restrictive legislation, financial…

The rapid adoption of Mobile Money Services (MMS) in Sub-Saharan Africa (SSA) offers a viable path to improve e-Government service accessibility in the face of persistent low internet penetration. However, existing Mobile Money…

Access to financial institutions is difficult in developing economies and especially for the poor. However, the widespread adoption of mobile phones has enabled the development of mobile money systems that deliver financial services through…

The number of registered SIM cards and active mobile phone subscribers in Zambia in 2020 surpassed the population of the country. This clearly shows that mobile phones in Zambia have become part of everyday life easing not only the way…

Nowadays, the usage of smartphones and their applications have become rapidly increasing popular in people's daily life. Over the last decade, availability of mobile money services such as mobile-payment systems and app markets have…

The West African Economic and Monetary Union (WAEMU) states, characterized by widespread smartphone usage, have witnessed banks and financial institutions introducing mobile banking applications (MBAs). These apps empower users to perform…

Internet penetration rates in Africa are rising steadily, and mobile Internet is getting an even bigger boost with the availability of smartphones. Young people are increasingly using the Internet, especially social networks, and Senegal is…

SMS Phishing (also known as 'smishing') is a growing deceptive social engineering (SE) attack that leverages mobile SMS to conduct cybercrimes such as stealing sensitive information or spreading malware by tricking users into interacting…

We examine the impact of a new tool for suppressing the expression of dissent---a daily tax on social media use. Using a synthetic control framework, we estimate that the tax reduced the number of georeferenced Twitter users in Uganda by 13…

The use of mobile payment services is an essential contributor to financial inclusion in emerging markets. Unfortunately, the service has become a platform for fraud. Mobile payment users need to be digitally resilient to continue using the…

We examine the information security practices of Ugandan climate activists protesting the development of the East African Crude Oil Pipeline (EACOP). We conducted five-week fieldwork in Kampala, Uganda, which included interviews with 13…

In societies with well developed internet infrastructure, social media is the leading medium of communication for various social issues especially for breaking news situations. In rural Uganda however, public community radio is still a…

Public transport systems in many Sub-Saharan countries often receive less attention compared to other sectors, underscoring the need for innovative solutions to improve the Quality of Service (QoS) and overall user experience. This study…

The goal of this paper is to analyze the behavior and intent of recent types of privacy invasive Android adware. There are two recent trends in this area: more financial motives instead of ego motives, and the development of more dynamic…

The rising popularity of mobile payments can be attributed to the widespread use of smartphones and their applications. Despite its potential to simplify our lives, its adoption in African countries has been limited. This paper aims to…

The growth of Information Technology(IT) in Africa has led to an increase in the utilization of communication networks for data transaction across the continent. A growing number of entities in the private sector, academia, and government,…

Cash payment is still king in several markets, accounting for more than 90\ of the payments in almost all the developing countries. The usage of mobile phones is pretty ordinary in this present era. Mobile phones have become an inseparable…

This paper examines the validity of the Capital Asset Pricing Model (CAPM) on the Ugandan stock market using monthly stock returns from 10 of the 11 companies listed on the Uganda Stock Exchange (USE), for the period 1st March 2007 to 10th…