“…Moreover, Chau et al ( 2020) and Fonseka and Jaharadak, 2022), assert that m-commerce can help organizations such as SMEs improve marketing processes by enhancing online payment systems (Fonseka & Jaharadak, 2022;Salimon & Kareem, 2021). According to (Maduku et al, 2016;Waithaka & Mnkandla, 2017;Matlakala, 2021), nowadays, most people no longer have much interest in buying things from the shop physically, but they prefer to purchase products from their homes or work offices using mobile applications. Matlakala (2021) indicates that the rate of mapplications utilization in South Africa is high, and the adoption of m-commerce will improve the performance of SMEs (Chau et al, 2020;Chau & Deng, 2018;Yahaya et al, 2022;Matlakala, 2021).…”