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p-Index From 2021 - 2026
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This Author published in this journals
All Journal MANDALIKA: Journal of Social Sciences Journal of Social Entrepreneurship Theory and Practice
Nathan Udoinyang
Ignatius Ajuru University of Education
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

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Investigating Factors Influencing Mobile Money Service Adoption Among Small-Scale Entrepreneurs in Nigeria Nathan Udoinyang
Journal of Social Entrepreneurship Theory and Practice Vol. 4 No. 1 (2025): July
Publisher : Research Synergy Foundation

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31098/jsetp.v4i1.3250

Abstract

The variables affecting acceptance of mobile banking services among small businesses in Nigeria are discussed in this research. Using a survey questionnaire to gather information from a sample of small-scale entrepreneurs in Nigeria, the study uses a mixed-methods research approach. The qualitative methodology was employed through the use of interviews. For small-scale entrepreneurs in Nigeria, the findings of the research reveal that age, education, income level, easy access and usefulness of mobile money service, security, low price of mobile money service, network availability, government backing, and financial knowledge are the factors influencing the use of mobile money service among small-scale entrepreneurs in Nigeria. While poor financial literacy, limited network availability in rural areas, restricted financial means, security and fraud, lack of mobile phone access, complexity of mobile money service, lack of trust, lack of understanding in the language used by mobile money services, cultural barriers, and inadequate knowledge about the use of mobile money services are the difficulties small-scale entrepreneurs face that affect their use of mobile money services Which is in support of Technology Acceptance Model (TAM) and Unified Theory of Acceptance and Use of Technology (UTAUT) that an individual's inclination to use a technology depends mostly on perceived usefulness (PU) and perceived ease of use (PEU). To encourage small-scale entrepreneurs in Nigeria to use mobile money services, the study suggests that mobile network operators, legislators, and other interested stakeholders should raise awareness and knowledge of them, enhance their perceived value and usability, and address security issues. 
Bias, Fairness, Social Justice and the Social Consequences of Artificial Intelligence Deployment in Environmental Sustainability in Nigeria Nathan Udoinyang; Filima Nyimabari Master
MANDALIKA : Journal of Social Science Vol. 4 No. 2 (2026): August
Publisher : Balai Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56566/mandalika.v4i2.815

Abstract

Artificial Intelligence (AI) now plays a growing role in environmental sustainability. Systems powered by AI support climate modeling, pollution monitoring, resource management, and environmental decision-making. While these tools offer clear benefits, concerns about algorithmic bias, fairness, and social impact continue to grow, especially in developing countries. This study examines how bias, fairness, and social justice influence the deployment of AI technologies for environmental sustainability initiatives in Nigeria. A mixed-methods research design guided the study. Data was gotten from environmental professionals, policymakers, academics, and technology specialists across the six geopolitical zones of Nigeria. Structural Equation Modelling (SEM) and regression analysis assessed relationships among AI deployment, algorithmic bias, fairness in AI systems, governance transparency, and environmental sustainability outcomes. The analysis shows AI strengthens environmental monitoring, climate prediction, and resource management. At the same time, biased algorithms and unequal access to technology create social consequences that often affect vulnerable communities more strongly. The findings also show that transparent governance frameworks and inclusive datasets strengthen fairness and build public trust in AI-driven environmental decision systems and concludes that responsible AI governance remains essential for equitable and sustainable environmental outcomes as Nigeria advances through its digital sustainability transition.
Co-Authors Filima Nyimabari Master