Katumba Charles Wasswa

Frequency Table Gender Percent- Frequency Valid Male Female Total 33 15 48 Valid Percent Cumulative Percent- Age bracket Valid Frequency- 21_ 30 years 31 _ 40 years Above 41 years Total Percent- Valid Percent- Cumulative Percent- Highest level of education Valid Diploma Degree Masters PhD Total Frequency- Percent- Valid Percent- Cumulative Percent- Department of work Valid Finance Department Human Resource Management Frequency 6 7 Percent Valid Percent- Cumulative Percent 12.5 27.1 Administration & Management Operational Management Others (Specify) Total 6 12.5 12.5 39.6 24 5 48 - - - Tenure of service in the organization Frequency Valid Less than 1 year 1-5 years 6-10 years More than 11 years Total - Percent- Valid Percent- Mobile money is efficient in reducing delivery time and transaction costs. Valid Cumulative Frequency Percent Percent Percent Valid Strongly- disagree Disagree- Not sure- Agree- Strongly agree- Total- Mobile money has helped in reducing financial exclusion. Valid Cumulative Frequency Percent Percent Percent Valid Strongly- disagree Disagree- Not sure- Agree- Cumulative Percent- Strongly agree Total 15 48 - - 100.0 Mobile money facilitates the effectiveness of monetary policy to the extent that it improves financial inclusion. Valid Cumulative Frequency Percent Percent Percent Valid Strongly- disagree Disagree- Not sure- Agree- Strongly agree- Total- The increased revenue collection rate of Umeme is partly attributable to an increase in mobile money payments. Valid Cumulative Frequency Percent Percent Percent Valid Strongly- disagree Disagree- Not sure- Agree- Strongly agree- Total- Mobile money has increased transaction speeds and reduced outstanding credit times. Valid Cumulative Frequency Percent Percent Percent Valid Strongly- disagree Disagree- Not sure Agree Strongly agree Total - - - - People use mobile money for clearance of taxes and other non-tax revenues. Valid Cumulative Frequency Percent Percent Percent Valid Strongly- disagree Disagree- Not sure- Agree- Strongly agree- Total- Mobile Money platform facilitates payment of utility bills, school fees, medical bills, and pay-tv. Valid Cumulative Frequency Percent Percent Percent Valid Strongly- disagree Disagree- Not sure- Agree- Strongly agree- Total- Mobile Money Banking promotes efficient and unconventional revenue collection. Valid Cumulative Frequency Percent Percent Percent Valid Strongly disagree Disagree Not sure Agree Strongly agree Total 4 8.3 8.3 8.3 - - - - In Uganda, authorities are steadily adopting Mobile Money to collect revenues from both dwellers and businesses Valid Cumulative Frequency Percent Percent Percent Valid Strongly- disagree Disagree- Not sure- Agree- Strongly agree- Total- Mobile Money promotes convenience, and encourages direct interactions and negotiations between revenues authorities and payers Valid Cumulative Frequency Percent Percent Percent Valid Strongly- disagree Disagree- Not sure- Agree- Strongly agree- Total- PayWay and EzeeMoney partly solved the problem of direct physical payment and revenue collection by service providers. Valid Strongly disagree Disagree Not sure Agree Strongly agree Total Frequency Percent- - Valid Percent 8.3 Cumulative Percent 8.3 - - PayWay and EzeeMoney solved the problem of high costs and inefficiencies in revenue collection and payment systems. Valid Cumulative Frequency Percent Percent Percent Valid Strongly- disagree Disagree- Not sure- Agree- Strongly agree- Total- PayWay and EzeeMoney helped to minimize illegal connections or unofficial service provision which resulted in loss of revenue. Valid Cumulative Frequency Percent Percent Percent Valid Strongly- disagree Disagree- Not sure- Agree- Strongly agree- Total- Pay Way offers payment kiosks and mobile point of sale services. Valid Cumulative Frequency Percent Percent Percent Valid Strongly- disagree Disagree- Not sure- Agree- Strongly agree- Total- Payway works on the self-service kiosk, the mobile Point of Sale, and the web interface. Valid Cumulative Frequency Percent Percent Percent Valid Disagree- Not sure- Agree- Strongly- agree Total- It is possible to pay for TV, phone airtime using PayWay and EzeeMoney. Valid Cumulative Frequency Percent Percent Percent Valid Strongly- disagree Disagree- Not sure- Agree- Strongly agree- Total- PayWay and EzeeMoney improves the efficiency of payment and revenue collection systems. Valid Cumulative Frequency Percent Percent Percent Valid Strongly- disagree Disagree- Not sure- Agree- Strongly agree- Total- Umeme uses PayWay and EzeeMoney to help clients meet their obligations timely and conveniently. Valid Cumulative Frequency Percent Percent Percent Valid Strongly- disagree Disagree- Not sure- Agree- Strongly agree- Total- Umeme believes that PayWay enables the reduction of turnaround time for the payments hence increased efficiency and profitability. Valid Cumulative Frequency Percent Percent Percent Valid Strongly- disagree Disagree- Not sure- Agree- Strongly agree- Total- PayWay and EzeeMoney are components of an integrated payment reform process. Valid Cumulative Frequency Percent Percent Percent Valid Strongly- disagree Disagree- Not sure- Agree- Strongly agree- Total- Electronic funds transfer is used to transfer money directly from one bank account to another. Valid Cumulative Frequency Percent Percent Percent Valid Strongly- disagree Not sure- Agree- Strongly agree- Total- In electronic Funds Transfer, the money is deposited to an account electronically. Valid Cumulative Frequency Percent Percent Percent Valid Strongly- disagree Disagree- Not sure- Agree- Strongly agree- Total 48 100.0 100.0 Electronic Funds Transfer provides the capability to automate payments and streamline cash flow. Valid Cumulative Frequency Percent Percent Percent Valid Strongly- disagree Disagree- Not sure- Agree- Strongly agree- Total- Electronic Funds Transfer eliminates the risks associated with lost, stolen, or misdirected checks. Valid Cumulative Frequency Percent Percent Percent Valid Strongly- disagree Disagree- Not sure- Agree- Strongly agree- Total- There is no way to reverse a transaction under the Electronic Funds Transfer method. Valid Cumulative Frequency Percent Percent Percent Valid Strongly- disagree Disagree- Not sure- Agree Strongly agree Total 9 14 48 - - - Hackers can try to steal customer’s money and information electronically. Valid Cumulative Frequency Percent Percent Percent Valid Strongly- disagree Disagree- Not sure- Agree- Strongly agree- Total- Companies that receive Electronic Funds Transfer payments from customers enjoy cash-flow advantages. Valid Cumulative Frequency Percent Percent Percent Valid Strongly- disagree Disagree- Not sure- Agree- Strongly agree- Total- Utility companies are among the first businesses to begin using Electronic Funds Transfer on a large-scale basis Valid Cumulative Frequency Percent Percent Percent Valid Disagree- Not sure- Agree Strongly agree Total 21 18 43.8 37.5 43.8 37.5 48 100.0 100.0 - Electronic Funds Transfer debits and credits are usually less expensive because they incur a flat fee per transaction. Valid Cumulative Frequency Percent Percent Percent Valid Strongly- disagree Disagree- Not sure- Agree- Strongly agree- Total- Using Electronic Funds Transfer is an alternative to mailing and processing hundreds of checks. Valid Cumulative Frequency Percent Percent Percent Valid Strongly- disagree Disagree- Not sure- Agree- Strongly agree- Total- As a prepaid customer uses electricity, Umeme deducts what the customer owes from the account. Valid Cumulative Frequency Percent Percent Percent Valid Disagree- Not sure Agree Strongly agree Total 2 19 25 - - 48 100.0 100.0 - The customer monitors and replenishes the account to make sure the money in the account does not run out as electricity is used. Valid Cumulative Frequency Percent Percent Percent Valid Strongly- disagree Disagree- Not sure- Agree- Strongly agree- Total- There is no limit to the number of times a consumer may have to pay for prepaid service for a month. Valid Cumulative Frequency Percent Percent Percent Valid Strongly- disagree Disagree- Not sure- Agree- Strongly agree- Total- Prepaid service is risky as prices can change frequently and keeping a constant supply of electricity is a challenge. Valid Cumulative Frequency Percent Percent Percent Valid Disagree Not sure Agree Strongly agree Total - - - 48 100.0 100.0 - Shopping for prepaid electricity is more complicated than shopping for postpaid electricity. Valid Cumulative Frequency Percent Percent Percent Valid Strongly- disagree Disagree- Not sure- Agree- Strongly agree- Total- The differences in prices and the fees profoundly affect the total cost of electricity to the consumer. Valid Cumulative Frequency Percent Percent Percent Valid Strongly- disagree Disagree- Not sure- Agree- Strongly agree- Total- Postpaid electricity payment was the main form of electricity bill payment initially. Valid Strongly disagree Disagree Not sure Agree Strongly agree Total Frequency Percent- - Valid Percent 6.3 Cumulative Percent 6.3 - - Postpaid electricity bill payment uses an electricity meter which counts and accumulates the units consumed by the end of the one month. Valid Cumulative Frequency Percent Percent Percent Valid Strongly- disagree Disagree- Not sure- Agree- Strongly agree- Total- A Postpaid bill is sent to the customer’s address in time before disconnection is carried out. Valid Cumulative Frequency Percent Percent Percent Valid Strongly- disagree Disagree- Not sure- Agree- Strongly agree- Total- With a Postpaid bill payment, one does not need to worry about a reduction in the number of units. Valid Cumulative Frequency Percent Percent Percent Valid Strongly- disagree Disagree- Not sure- Agree- Strongly agree- Total- You can always pay your postpaid electricity bill via the mobile money transfer service Valid Cumulative Frequency Percent Percent Percent Valid Strongly- disagree Not sure- Agree- Strongly agree- Total- It's very easy for someone to tamper with the meter in your absence and Postpaid meters take much time to get repaired in case of damage. Valid Cumulative Frequency Percent Percent Percent Valid Strongly- disagree Disagree- Not sure- Agree- Strongly agree- Total- Sixty percent of Ugandans wishing to access electricity shy away because of high connection charges. Valid Cumulative Frequency Percent Percent Percent Valid Strongly- disagree Disagree- Not sure- Agree- Strongly agree- Total- The average cost of an electricity pole is Shs800,000. Valid Cumulative Frequency Percent Percent Percent Valid Strongly- disagree Not sure- Agree- Strongly agree- Total- Settlement patterns affect operational and connection costs. Valid Cumulative Frequency Percent Percent Percent Valid Strongly- disagree Disagree- Not sure- Agree- Strongly agree- Total- 30 percent of Ugandans access electricity. Valid Frequency Percent Percent Valid Strongly 2 4.2 4.2 disagree Disagree 2 4.2 4.2 Not sure- Agree- Strongly agree- Total- Cumulative Percent- The cost of connection remains relatively high along with illegal connections and tariffs based on meter bypasses. Valid Cumulative Frequency Percent Percent Percent Valid Strongly- disagree Disagree- Not sure- Agree- Strongly agree- Total- Lack of access to electricity increases security risks at night and constrains small business activity/options. Valid Cumulative Frequency Percent Percent Percent Valid Strongly- disagree Disagree- Not sure- Agree- Strongly agree- Total- DESCRIPTIVES Mean Mobile money is efficient in reducing delivery time and transaction costs. 3.48 Mobile money has helped in reducing financial exclusion. 3.79 Mobile money facilitates the effectiveness of monetary policy to the extent 3.87 that it improves financial inclusion. The increased revenue collection rate of Umeme is partly attributable to an 3.63 increase in mobile money payments. Mobile money has increased transaction speeds and reduced outstanding 3.46 credit times. People use mobile money for clearance of taxes and other non-tax 3.63 revenues. Mobile Money platform facilitates payment of utility bills, school fees, 3.35 medical bills, and pay-tv. Mobile Money Banking promotes efficient and unconventional revenue 3.48 collection. In Uganda, authorities are steadily adopting Mobile Money to collect 3.48 revenues from both dwellers and businesses Mobile Money promotes convenience, and encourages direct interactions 3.75 and negotiations between revenues authorities and payers Valid N (listwise) PayWay and EzeeMoney partly solved the problem of direct physical payment and revenue collection by service providers. PayWay and EzeeMoney solved the problem of high costs and inefficiencies in revenue collection and payment systems. PayWay and EzeeMoney helped to minimize illegal connections or unofficial service provision which resulted in loss of revenue. Pay Way offers payment kiosks and mobile point of sale services. Payway works on the self-service kiosk, the mobile Point of Sale, and the web interface. It is possible to pay for TV, phone airtime using PayWay and EzeeMoney. Std. Deviation - Mean 3.94 Std. Deviation 1.227 3.50 1.220 3.42 1.334 3.77 4.00 - 3.85 .989 PayWay and EzeeMoney improves the efficiency of payment and revenue collection systems. Umeme uses PayWay and EzeeMoney to help clients meet their obligations timely and conveniently. Umeme believes that PayWay enables the reduction of turnaround time for the payments hence increased efficiency and profitability. PayWay and EzeeMoney are components of an integrated payment reform process. Valid N (listwise) Electronic funds transfer is used to transfer money directly from one bank account to another. In electronic Funds Transfer, the money is deposited to an account electronically. Electronic Funds Transfer provides the capability to automate payments and streamline cash flow. Electronic Funds Transfer eliminates the risks associated with lost, stolen, or misdirected checks. There is no way to reverse a transaction under the Electronic Funds Transfer method. Hackers can try to steal customer’s money and information electronically. Companies that receive Electronic Funds Transfer payments from customers enjoy cash-flow advantages. Utility companies are among the first businesses to begin using Electronic Funds Transfer on a large-scale basis Electronic Funds Transfer debits and credits are usually less expensive because they incur a flat fee per transaction. Using Electronic Funds Transfer is an alternative to mailing and processing hundreds of checks. Valid N (listwise) 3.69 1.014 3.56 1.253 4.15 1.052 3.85 1.130 Mean 4.17 Std. Deviation .930 3.94 1.080 3.92 1.048 3.56 1.183 3.35 1.360 3.96 3.31 - 4.06 .976 3.88 1.003 4.33 .883 Mean As a prepaid customer uses electricity, Umeme deducts what the customer 4.40 owes from the account. The customer monitors and replenishes the account to make sure the 3.90 money in the account does not run out as electricity is used. There is no limit to the number of times a consumer may have to pay for 3.92 prepaid service for a month. Prepaid service is risky as prices can change frequently and keeping a 3.79 constant supply of electricity is a challenge. Shopping for prepaid electricity is more complicated than shopping for 3.98 postpaid electricity. The differences in prices and the fees profoundly affect the total cost of 3.58 electricity to the consumer. Valid N (listwise) Postpaid electricity payment was the main form of electricity bill payment initially. Postpaid electricity bill payment uses an electricity meter which counts and accumulates the units consumed by the end of the one month. A Postpaid bill is sent to the customer’s address in time before disconnection is carried out. With a Postpaid bill payment, one does not need to worry about a reduction in the number of units. You can always pay your postpaid electricity bill via the mobile money transfer service It's very easy for someone to tamper with the meter in your absence and Postpaid meters take much time to get repaired in case of damage. Valid N (listwise) Std. Deviation - - Mean 4.15 Std. Deviation 1.091 3.90 1.016 3.98 1.101 3.71 1.184 3.90 1.225 3.90 1.057 Sixty percent of Ugandans wishing to access electricity shy away because of high connection charges. The average cost of an electricity pole is Shs800,000. Settlement patterns affect operational and connection costs. 30 percent of Ugandans access electricity. The cost of connection remains relatively high along with illegal connections and tariffs based on meter bypasses. Lack of access to electricity increases security risks at night and constrains small business activity/options. Valid N (listwise) Mean 3.67 Std. Deviation 1.389 - - .899 3.79 1.184 Correlations Mobile Money Mobile Money Revenue Collection Pearson Correlation Sig. (2-tailed) N Pearson Correlation Sig. (2-tailed) N 1 48 .386** .007 48 Revenue Collection .386** - Regression Model Summary Model R R Square a 1 .386 .149 a. Predictors: (Constant), Mobile Money Adjusted R Square .130 ANOVAa Std. Error of the Estimate .461 Model Sum of Squares 1 Regression 1.705 Residual 9.760 Total 11.465 a. Dependent Variable: Revenue Collection b. Predictors: (Constant), Mobile Money df 1 46 47 Mean Square 1.705 .212 F 8.037 Sig. .007b t- Sig. .000 .007 Coefficientsa Unstandardized Coefficients Model B Std. Error 1 (Constant) 2.385 .541 Mobile Money .424 .149 a. Dependent Variable: Revenue Collection Standardized Coefficients Beta .386 Correlations PayWay & EzeeMoney Pearson Correlation Sig. (2-tailed) N ** Revenue Collection Pearson Correlation .533 1 Sig. (2-tailed) .000 N 48 48 **. Correlation is significant at the 0.01 level (2-tailed). PayWay & Revenue EzeeMoney Collection 1 .533** .000 48 48 Regression Model Summary Model 1 R .533 a R Square .284 Adjusted R Square .268 Std. Error of the Estimate .423 a. Predictors: (Constant), PayWay & EzeeMoney ANOVAa Model Sum of Squares df 1 Regression 3.253 1 Residual 8.212 46 Total- a. Dependent Variable: Revenue Collection b. Predictors: (Constant), PayWay & EzeeMoney Mean Square 3.253 .179 Coefficientsa Unstandardized Standardized Coefficients Coefficients B Std. Error Beta 1.868 .482 .541 .127 .533 Model 1 (Constant) PayWay & EzeeMoney F 18.223 t- Sig. .000b Sig. .000 .000 Correlations Correlations E-Funds Transfer Pearson Correlation Sig. (2-tailed) N Revenue Collection Pearson Correlation Sig. (2-tailed) N **. Correlation is significant at the 0.01 level (2-tailed). E-Funds Transfer 1 48 .784** .000 48 Revenue Collection .784** - Model Summary Model R R Square Adjusted R Square Std. Error of the Estimate 1 .784a .614 a. Predictors: (Constant), E-Funds Transfer ANOVAa Model Sum of Squares df 1 Regression 7.044 1 Residual 4.421 46 Total- a. Dependent Variable: Revenue Collection b. Predictors: (Constant), E-Funds Transfer .606 Mean Square 7.044 .096 .310 F 73.302 Sig. .000b Coefficientsa Unstandardized Coefficients Model B Std. Error 1 (Constant) .776 .368 E-Funds Transfer .814 .095 a. Dependent Variable: Revenue Collection Standardized Coefficients Beta .784 t- Sig. .041 .000