Enhancing client satisfaction with banking services in Uganda

The significance, utilization and challenges of Digitalized services

Authors

  • Betty Akankwatsa Uganda Management Institute, Uganda
  • Fred Alinda Uganda Management Institute, Institute Research and Innovation Centre, Uganda
  • Kasozi Mulindwa Uganda Management Institute, Director Programs and Students Affairs, Uganda
  • Godwin Kwemarira Makerere University Business School, Faculty of Management, Department of Leadership and Governance, Uganda
  • Albert Arinda Makerere University Business School, Faculty of Entrepreneurship and Small Business Management, Department of Entrepreneurship and Innovation, Uganda

DOI:

https://doi.org/10.62598/JVA.11.2.1.18

Keywords:

Banking services, Client satisfaction, Uganda, Utilization

Abstract

Purpose – The study considered enhancing client satisfaction with banking services in Uganda. The significance, utilisation and challenges of Digitalised services. Besides, study considered banking services as a predictive variable for client satisfaction in Uganda. The study was guided by the following specific objectives: i) Provide empirical perspectives and Uganda’s context-specific evidence on the effectiveness of the digitalised banking services to customer satisfaction; ii) Analyse customer experiences with digitalised banking services to identify the extent of access, utilisation and satisfaction as well as the associated challenges. Design/methodology/approach – The study was a cross-sectional in nature applying a quantitative approach. This is in line with the objective of the study to analyze the significance of digitalized banking system to customer satisfaction and draw deeper insights into the experience of clients regarding access, utilization of the digitalized banking system as well as establish the associated challenges.
Findings – Using data from 159 respondents from Centenary Development Bank, this study tested and confirmed the contribution of digitalized (online) banking services on customer satisfaction in the context of Uganda.

References

1. Al Kurdi, B., Alshurideh, M., & Alnaser, A. (2020). The impact of employee satisfaction

on customer satisfaction: Theoretical and empirical underpinning. Management Science

Letters, 10(15), 3561-3570. https://doi.org/10.5267/j.msl.2020.6.038

2. Cao, Y., Ajjan, H., & Hong, P. (2018). Post-purchase shipping and customer service experiences

in online shopping and their impact on customer satisfaction: An empirical study with

comparison. Asia Pacific Journal of Marketing and Logistics, 30(2), 400-416.

https://doi.org/10.1108/APJML-04-2017-0071

3. Costa-Climent, R., & Martínez-Climent, C. (2018). Sustainable profitability of ethical and

conventional banking. Contemporary Economics, 12(4), 519-530.

4. Dayo, B. A. (2022). Profitability Analysis of the Public and Private Banks in Pakistan. International

Journal of Emerging Business and Economic Trends, 1(2), 94-104.

5. Ebong, J., & George, B. (2021). Financial inclusion through digital financial services (DFS): A

study in Uganda. Journal of Risk and Financial Management, 14(9), 393.

6. Fleming, J., Ferns, S. J., & Zegwaard, K. E. (2023). Benefits of work-integrated learning for host

organizations. In The Routledge international handbook of work-integrated learning (pp. 113-

130). Routledge.

7. Hamzah, A. A., & Shamsudin, M. F. (2020). Why customer satisfaction is important to

business?. Journal of Undergraduate Social Science and Technology, 1(1).

8. Iberahim, H., Taufik, N. M., Adzmir, A. M., & Saharuddin, H. (2016). Customer satisfaction on

reliability and responsiveness of self service technology for retail banking services. Procedia

Economics and Finance, 37, 13-20.

9. Khatoon, S., Zhengliang, X., & Hussain, H. (2020) The Mediating Effect of customer satisfaction

on the relationship between Electronic banking service quality and customer Purchase intention:

Evidence from the Qatar banking sector. Sage Open, 10(2), 2158244020935887.

10. Khiaonarong, M. T., & Humphrey, D. (2023) Measurement and use of cash by half the world’s

population. International Monetary Fund.

11. Lujja, S., Mohammed, M. O., & Hassan, R. (2018). Islamic banking: an exploratory study of

public perception in Uganda. Journal of Islamic Accounting and Business Research, 9(3), 336-

352.

12. Malunda, P. N., Atwebembeire, J., & Ssentamu, P. N. (2021). Research supervision as an

antecedent to graduate student progression in the public higher institutions of learning in

Uganda. International Journal of Learning, Teaching and Educational Research, 20(5), 73-95.

13. Morgan, K. (1970). Sample size determination using Krejcie and Morgan table. Kenya Projects

Organization (KENPRO), 38, 607-610.

14. Moridu, I., Fitriani, F., Posumah, N. H., Kune, D., & Yusni, Y. (2023). Luwuk Muhammadiyah

High School Students’ Entrepreneurship Capability. Jurnal Nusantara Berbakti, 1(3), 195-206.

15. Nganyanyuka, K. O., Martinez, J., Lungo, J., & Georgiadou, P. Y. (2017). Working with the

grain: How amenable to digital transformation are the monitoring and repair of rural water points

in Tanzania?. Information technologies and international development, 13, 103-121.

16. Nkurunziza, I. F., Guirong, T., Ngarukiyimana, J. P., & Sindikubwabo, C. (2019). Influence of

the Mascarene High on October-December rainfall and their associated atmospheric circulation

anomalies over Rwanda. J. Environ. Agric. Sci, 20, 1-20.

17. Nunnally, J. C., Knott, P. D., Duchnowski, A., & Parker, R. (1967). Pupillary response as a

general measure of activation. Perception & psychophysics, 2, 149-155.

18. Omolara, A. E., Alabdulatif, A., Abiodun, O. I., Alawida, M., Alabdulatif, A., & Arshad, H.

(2022). The internet of things security: A survey encompassing unexplored areas and new

insights. Computers & Security, 112, 102494.

19. Rahi, S., Ghani, M. A., & Ngah, A. H. (2020). Factors propelling the adoption of internet banking:

the role of e-customer service, website design, brand image and customer satisfaction. International

Journal of Business Information Systems, 33(4), 549-569.

20. Rahi, S., Khan, M. M., & Alghizzawi, M. (2021). Extension of technology continuance theory

(TCT) with task technology fit (TTF) in the context of Internet banking user continuance

intention. International Journal of Quality & Reliability Management, 38(4), 986-1004.

21. Raza, S. A., Umer, A., Qureshi, M. A., & Dahri, A. S. (2020). Internet banking service quality,

e-customer satisfaction and loyalty: the modified e-SERVQUAL model. The TQM Journal, 32(6),

1443-1466.

22. Yaseen, S. G., & El Qirem, I. A. (2018). Intention to use e-banking services in the Jordanian

commercial banks. International Journal of Bank Marketing, 36(3), 557-571.

Downloads

Published

2025-12-23

Issue

Section

Original scientific paper

How to Cite

Enhancing client satisfaction with banking services in Uganda: The significance, utilization and challenges of Digitalized services. (2025). Vallis Aurea, 11(2), 1-14. https://doi.org/10.62598/JVA.11.2.1.18