FinTech v Keni a Ugandě: Případová studie mobilních peněz

This bachelor’s thesis provides a comparative analysis of mobile money development in Kenya and Uganda as a primary driver of regional financial inclusion. The objective is to evaluate how technological, financial, and demographic factors, alongside regulatory frameworks, influence adoption patterns between the two countries. Utilising secondary data and institutional reports, the study evaluates key indicators such as account ownership, transaction activity, and infrastructure availability. The findings revealed that while both nations are regional leaders, Kenya exhibits a more mature FinTech environment with a higher degree of integration between traditional banking and mobile money services. Conversely, Uganda shows a distinct dependence on mobile money and faces more significant structural challenges. Ultimately, the research confirms that the adoption is driven by the complex interplay between structural conditions and regulatory flexibility.