Wejuli, Jacob Malaba2026-10-192026-10-192026Wejuli, J. M. (2026). Knowledge, attitudes, and practices on use of digital banking technologies in access to credit among agribusiness traders in Buyanga sub-county, Busia district. [Unpublished undergraduate research report]. Busitema University.https://bdears.busitema.ac.ug/handle/123456789/11100Undergraduate research reportDigital banking technologies have become important tools for promoting financial inclusion and improving access to credit among rural entrepreneurs. Thus, despite the increasing availability of mobile money, agency banking, and digital credit service in Uganda, many agribusiness traders continue to face challenges in effectively utilizing these technologies for credit access. This study examined the knowledge, attitudes, and practices regarding the use of digital banking technologies in access to credit among agribusiness traders in Buyanga sub-county, Busia district, Uganda. Specifically, the study assessed traders’ knowledge of digital banking technologies, examined their attitudes toward digital banking, and evaluated their usage practices. A descriptive cross-sectional survey design employing a quantitative approach was used. Data were collected from 121 agribusiness traders selected through simple random sampling using a structured questionnaire and analyzed using SPSS. Descriptive statistics, including frequencies, percentages, mean, and standard deviations, were used to summarize the findings. The results revealed that digital banking technologies were widely used among agribusiness traders, with mobile money being the most accessed service (80.17%) and 57.0% of the respondents using digital banking services daily. Respondents portrayed good knowledge of basic digital banking functions and digital security practices but had limited knowledge of advanced services like unstructured supplementary service data banking and bank account linking. The study further revealed that traders generally held positive attitudes toward digital banking due to its convenience, speed, and ability to facilitate financial transactions. However, concerns regarding fraud, hidden charges, and transaction failures remained prevalent. Although digital banking was commonly used for routine transactions such as payments, transfers, and deposits, the use of digital credit services remained relatively low. The study concludes that while agribusiness traders possess adequate knowledge and positive attitudes toward digital banking technologies, gaps in technical knowledge and digital credit utilization continue to limit their contribution to improved credit access. The study recommends strengthening digital financial literacy programs, enhancing consumer protection and cyber security awareness, simplifying digital credit procedures, and expanding rural digital banking support services to improve financial inclusion and access to credit among agribusiness traders.enOther