Abstract
AbstractWhile mobile payment has received much attention, little research has focused on the suitability of mobile payment technology for payment for micro-businesses. This exploratory study seeks to provide a deeper understanding of how technology improves payment transactions in trading activities. The study draws on the task-technology fit (TTF) theory and the transaction cost theory as the theoretical lens. Based on qualitative data from 20 micro-businesses, the research findings indicate that micro-businesses’ adoption of mobile payments generates strategic and operational benefits. Also, micro-businesses regard the use of mobile technology as suitable in their payment transactions. This study’s contribution lies in the use of the TTF theory to determine the impact of mobile payment and its linkage with user performance on micro-businesses’ livelihood. This study also provides guidelines for national policy discussions on payment systems and their legal framework development.KeywordsMobile paymentsMicro-tradersDeveloping country
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