–  While agriculture forms the backbone of the Ugandan economy and provides employment to the majority of Ugandans, there is little evidence that credit is churned into this sector in adequate proportions. Exclusion of agriculture in lending is indeed exclusion of many people especially in Uganda. It is therefore crucial that service providers should design financial products suited for the agricultural sector, i.e.
* * * New technology and innovative businesses increasingly affect our daily financial lives. Mobile devices, high-speed data communication, and online commerce are creating expectations that convenient, secure, real-time payment and banking capabilities should be available whenever and wherever they are needed. At the same time, disruptive new technologies suggest that traditional financial service providers must innovate and adapt or be left behind.