International records / OpenAlex research

Financial Inclusion and Small Business Performance: Mediating Role of POS Technology in Ekiti State, Nigeria

Background: Financial inclusion and technological adoption are key enablers for small business growth in developing countries. To our knowledge, the synergies between these factors and financial literacy have been rarely examined. This study investigates the impact of financial inclusion on SME performance via Point-of-Sale (POS) adoption and tests whether financial literacy moderates?the indirect effect. Design: Anchored in the Resource-Based View (RBV), the study conceptualizes financial literacy and digital adaptability as the strategic assets that contribute to the firm competitive advanta…