| dc.description.abstract | The study investigated the relationship between financial technologies and financial inclusion,
guided by three main objectives: to examine the relationship between technological
infrastructure and financial inclusion, to assess the impact of financial education initiatives on
financial inclusion, and to explore the connection between innovation and research investment
and financial inclusion. The research was grounded in the Technology Acceptance Model
(TAM) and used a correlational design to measure the association between variables. The
population comprised bank branch managers, supervisors, and IT officers from Absa Bank
Uganda, Stanbic Bank Uganda, and UBA Bank, with a sample of 118 respondents, of which 86
completed the survey. The study revealed an equal gender distribution among participants, with
most respondents aged 30-39 years and holding a bachelor's degree. The analysis demonstrated a
significant positive relationship between financial education and financial inclusion. The
regression results indicated a significant positive relationship between technological
infrastructure and financial inclusion, they also indicated a strong positive relationship between
innovation and research investment and financial inclusion. Additionally, the study revealed a
positive relationship between technological infrastructure and financial inclusion. The study also
concluded that investments in financial technologies boosted operational efficiency and customer
satisfaction in financial institutions. The study recommended increasing investments in
upgrading and expanding technological infrastructure to ensure reliable access to financial
technologies. Furthermore, it suggested that future research should evaluate the effectiveness of
different financial literacy programs in promoting the adoption of financial technologies, with
comparative studies identifying best practices and recommending improvements for these
initiatives. | en_US |
