This report explores the significant impact of mobile money services on Uganda’s financial landscape, driven by the GSMA Mobile Money API Specification. Based on interviews with a diverse group of users—including individuals, SMEs, agents, and developers—the evaluation reveals high adoption rates and substantial benefits. Users value the convenience of mobile money for managing daily financial activities, with women particularly appreciating its flexibility in fitting financial tasks into their routines. Through three detailed case studies, the report highlights how the GSMA MM API has successfully supported financial inclusion and remains vital across various use cases.