INFLUENCE OF AUTOMATED TELLER MACHINEAND MOBILE BANKINGON SMALL BUSINESS OPERATION IN MUBI METROPOLIS, ADAMAWA STATE, NIGERIA

The study examined the influence of E-banking components on small business operation in Mubi metropolis, Adamawa State, Nigeria. The study is a survey in the form of cross sectional study in which data were collected through questionnaire administered to 400 small business owners in Adamawa State. Data collected was subjected to percentage analysis and hypotheses were tested using regression analysis at 0.05 level of significance. The result influence of automated teller machine on business operation is statistically significant and positive (β = 0.942, t = 8.789, p < 0.05). Also, coefficients of the influence of mobile banking on small business operation is significant (β = 0.558, t = 9.800, p < 0.05). Hence the study concludes that automated teller machine (ATM) and mobile banking has significant and positive influence on small business operation in Mubi metropolis, Adamawa State, Nigeria. The study therefore, recommends that by considering the statistically significant and positive influence of e-banking components like automated teller machine (ATM) and mobile banking on business operations, small businesses should focus on establishing convenient and accessible banking components services. This can improve customer satisfaction by providing easy access to cash, ultimately leading to increased sales and transactions.