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The Impact Of Institutional Frameworks On Performance Of Mobile Money In Kampala City

This article explores the impact of institutional frameworks specifically regulatory policies, taxation policies, and governance
structures on the performance of MTN Mobile Money in Kampala, Uganda. The study used a mixed-methods approach, involving
a total sample of 114 participants, including 18 mobile money operators, 75 users, and 21 regulators. Correlation, and regression
analyses were employed to investigate the relationship between these institutional frameworks and mobile money performance.
The results indicate a significant positive correlation between regulatory policies and mobile money performance (r = 0.65, p <
0.001). The regression analysis reveals that regulatory policies account for 45% of the variance in performance (β = 0.58, p <
0.001), highlighting their critical role in shaping mobile money success. Similarly, taxation policies show a strong negative
correlation with performance (r = 0.70, p < 0.001), indicating that higher taxation negatively impacts mobile money services. The
regression analysis further supports this relationship (β = 0.62, p < 0.001), explaining 49% of the variance in MTN Mobile
Money’s performance, suggesting that taxation policies are a key factor affecting service delivery. Finally, governance structures
demonstrate a strong positive correlation with performance (r = 0.68, p < 0.001). Regression analysis indicates that governance
structures explain 46% of the performance variance (β = 0.58, p < 0.001), emphasizing the importance of good governance
practices in enhancing mobile money services. The study concludes that regulatory policies and governance structures positively
influence MTN Mobile Money's performance, while taxation policies have a detrimental effect. These findings provided valuable
insights for policymakers, mobile money operators, and regulators, emphasizing the need for supportive regulatory frameworks,
balanced taxation policies, and robust governance structures to foster the growth and success of mobile money services in Uganda.

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