Abstract

M-commerce, or mobile commerce, is transforming how business is done online in the modern era of business. Unfortunately, Ghana's “small and medium-sized enterprises (SMEs)” do not use mobile commerce very much. This study aims to assess the body of knowledge on the issues, preventing SMEs from adopting m-commerce and to further the investigation into those issues. The results illustrate how unstable variables are when seen in terms of how they affect one another, their connections, and themselves. The components of the proposed framework are discussed, and the way they interact with one another emphasizes how difficult it is to prevent m-commerce adoption. This outcome emphasizes the importance of thorough data analysis as opposed to problem isolation. The results also showed that “perceived risk” was a significant barrier, highlighting the possibility that different perspectives on the adoption concept may have a significant impact on the result and the existence of additional factors.