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All Journal Journal of Entrepreneurship & Business
Oke, Oluwakayode David
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Assessing The Impact of Financial Service Digitalization on SME Businesses In Lagos, Nigeria Olatunji, Fadeyi; Sajuyigbe, Ademola Samuel; Tella, Rahman Adeniran; Oke, Oluwakayode David; Babalola, Olusola Adebola; Adebayo , Wahab
Journal of Entrepreneurship & Business Vol. 6 No. 1 (2025): Journal of Entrepreneurship and Business (February)
Publisher : Program MM Universitas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24123/jeb.v6i1.7212

Abstract

Purpose: This paper examines the impact of digitalization on SMEs in Lagos Nigeria, especially in digital financial services. Method: The respondents for this study were 150 owners /managers of SMEs in Lagos, Nigeria and data were analyzed descriptively and inferentially using the chi-square test. The research adopts a quantitative research strategy to analyze the difference between SME performance before and after adopting the technology, analyze the degree of technology adoption by the SMEs, and Quantitative evaluation of the advantages of digital financial services. Result: The study found that digitalization has improved SME operations, enhancing efficiency, competitiveness, and access to financial services. However, challenges like internet connectivity and security issues remain unaddressed, necessitating targeted interventions and support strategies. To maximize digitalization's benefits, the study recommends government-led awareness campaigns to highlight the advantages of digital financial services for SMEs. Additionally, partnerships with telecom firms and government agencies should be established to expand broadband access and improve internet reliability in underserved areas. Finally, training programs for SME owners and staff are essential to ensure effective use of these financial services.
Co-Authors Adebayo , Wahab Babalola, Olusola Adebola Olatunji, Fadeyi Sajuyigbe, Ademola Samuel Tella, Rahman Adeniran