ASSESSMENT OF MOBILE MONEY AND ITS IMPACT ON BUSINESS PERFORMANCE
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ABSTRACT
This study focused on the assessment of mobile money and its impact on business performance using SMEs in Rivers State as case study. The study is was specifically focused on examining if mobile money increases productivity examining if mobile money transfer facilitates increase in sales volume and examining the impact of Mobile Money on business market share. The study adopted the survey research design and randomly enrolled participants in the study. A total of 100 responses were validated from the enrolled participants where all respondent are SMEs operators in Lagos State. The study findings indicated that usage of mobile money transfer service contributes toward business growth and development among SMEs by speeding up the transaction costs. Findings from the study revealed that various uses of mobile money transfer service have a positive impact on SMEs growth. The study concludes that mobile money transfer service has a positive contribution towards the development of business in Lagos since majority of traders depend on it as opposed to the financial institutions such as commercial banks. It is evident to acknowledge that majority of respondents have deep knowledge and understand on the usage and basic functions of mobile money transfer services. The study recommends that the mobile money service provider should improve this service adequately and ensure the system has produced a receipt which will help for audit trials and verification purpose. It has been noted that a physical verification of any transaction is quite important in case of audit purpose and reconciliation of an account. Having the system that produces receipt, this will help SMEs to tract payment and receipt easier.
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