The Impact of Mobile Fintech Integration on Small-Scale Retail in West Africa

This paper explores the transition from traditional cash-based transactions to integrated mobile payment systems among micro-SMEs. By analyzing data from the past 24 months, the research identifies a 15% increase in transaction transparency and a significant reduction in daily reconciliation errors. The study further examines how API-led financial services are bridging the gap for unbanked vendors, providing a roadmap for future e-commerce scaling in emerging markets.