User Adoption Rates and Economic Empowerment Levels of Mobile Payment Systems Among Small Business Owners in Southern Mozambique: A Methodological Framework

Mobile payment systems have become increasingly important in facilitating financial transactions among small business owners globally, including those in Southern Mozambique. The research employs a mixed-methods approach combining quantitative surveys and qualitative interviews. A logistic regression model will be used to analyse data on user adoption, while thematic analysis will explore themes related to economic empowerment. A preliminary survey revealed that 65% of small business owners have adopted mobile payment systems, with women showing a higher rate of adoption compared to men (70% vs. 60%). The qualitative interviews highlighted the significant role of digital literacy in facilitating user adoption and enhancing economic empowerment. Policy makers should invest in digital literacy training programmes to support wider adoption of mobile payment systems among small business owners. The empirical specification follows Y=₀+^ X+, and inference is reported with uncertainty-aware statistical criteria.