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Financial Technologies and Efficiency of Small-Scale Enterprises in Ebonyi State, Nigeria

Author

Listed:
  • Oguejiofor, F.E.

    (Department of Business Management & Entrepreneurship, Faculty of Management Sciences, Ebonyi State University, Abakaliki)

  • Nwachukwu, U.L.

    (Department of Business Management & Entrepreneurship, Faculty of Management Sciences, Ebonyi State University, Abakaliki)

  • Udu, A.A.

    (Department of Business Management & Entrepreneurship, Faculty of Management Sciences, Ebonyi State University, Abakaliki)

Abstract

The study examined the impact of financial technologies on the efficiency of small-scale enterprises (SSEs) in Ebonyi State. The specific objectives were to examine the impact of bank transfers and mobile banking on cost minimization and speed transaction of small-scale enterprises in Ebonyi State. Survey research design was adopted, the population of the study was 384 respondents from small-scale enterprises in Ebonyi state. Data were analysed using regression analysis with the aid of the SPSS. Findings revealed that there is a high positive impact of bank transfer and mobile banking on cost minimization and speed transaction of small-scale enterprises in Ebonyi state. Therefore, the study recommended that small-scale enterprise owners should make greater use of bank transfer and mobile banking services for business transactions because they provide a relatively fast, convenient and traceable means of making and receiving payments.

Suggested Citation

  • Oguejiofor, F.E. & Nwachukwu, U.L. & Udu, A.A., 2026. "Financial Technologies and Efficiency of Small-Scale Enterprises in Ebonyi State, Nigeria," International Journal of Latest Technology in Engineering, Management & Applied Science, RSIS International, vol. 15(9), pages 2413-2424, September.
    • Handle: RePEc:bjf:ijltem:v:15:y:2026:i:9:a:460
    DOI: 10.51583/IJLTEMAS.2026.150900111
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