There are five mobile telephone providers (MTN-Uganda, Orange, Zain-Uganda, Warid and Uganda Telecom) out of which MTN-Uganda; Zain (Uganda) and Uganda Telecom, provide mobile money services. Nevertheless, there is a lack of knowledge with regard to the influence of fee structures on service uptake. The social psychological determinants of mobile money technology use and adoption remain not well understood. It is not adequately known how the fees compare with existing costs of value storage and transfer using traditional banking systems.

This study seeks the following goals: (a) examine fee structures of the various mobile money providers in Uganda; (b) relate the fee structure of the various money providers to uptake; (c) examine the social psychological determinants of mobile money technology use and adoption in Uganda; and (d) compare the fees with existing costs of value storage and transfer using traditional banking systems.