FACTORS AFFECTING ADOPTION OF POS TERMINALS BY BUSINESS ORGANISATIONS IN NIGERIA(A CASE OF DELTA STATE)
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ABSTRACT
This study was carried out on the factors affecting adoption of POS terminals by business organizations in Nigeria using business organizations in Delta State as case study. To carry out the study, 2 research questions were posed. The study adopted a descriptive survey design. The study was carried out in Delta state. The population of the study comprised of all the staff of selected business organizations in Delta state. The population size of the study was 108. The instrument for data collection in this study was structured questionnaire. Data collected were analyzed using frequency Table. The major findings of the study disclosed that; the factor which drive the adoption of POS terminal by business organizations include the fact that POS facilitates better purchasing / supplier order management, simplify invoicing, facilitate effective time management, facilitates quick payments services, improve payment security and simplifies of operations. there is a relationship between customer trust and the adoption of POS of selected business organization in delta state. Based on the findings; the research proffered the following recommendation; regulatory agencies should carry out enlightenment programs that will inform both customers and businesses on the benefits of adopting electronic payment systems, especially POS terminals.This is expected to further encourage its adoptability and usage, banks should intensify efforts to deploy more POS to organisations in the locations of study as well as other parts of the country to further promote the adoption of POS among organisations that are yet to adopt. As a critical factor for success, the necessary infrastructure, such as internet access, that would make the cash-less policy to work in Nigeria should be made available.
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