Proceedings of the International Conference on Sustainable Business and Entrepreneurship (ICSBE 2025)

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The Role of Digital Payment Systems on Supply Chain Performance in Small Business Enterprises in Accra, Ghana: The Mediating Roles of Supplier Trust and Collaboration.

Authors
Theophilus Kofi Anyanful1, *, Emelia Dede Nartey1, Baaba Owusu-Bempah1
1Department of Procurement and Supply Chain Management, Accra Technical University, Accra, Ghana
*Corresponding author. Email: ktanyanful@atu.edu.gh
Corresponding Author
Theophilus Kofi Anyanful
Available Online 26 December 2025.
DOI
10.2991/978-94-6463-930-8_28How to use a DOI?
Keywords
Digital payment systems; supply chain performance; supplier trust; collaboration; SMEs; Ghana; PLS-SEM; digitalisation
Abstract

Digital payment systems (DPS) are transforming business transactions in emerging economies, yet their impact on supply chain performance (SCP) among small enterprises remains underexplored. This study investigates how DPS adoption enhances SCP in Accra, Ghana, and examines the mediating roles of supplier trust and collaboration. Guided by the Technology–Organisation–Environment framework, Transaction Cost Economics, and Trust Theory, a survey of 312 SMEs across retail, manufacturing, services, and agribusiness was analysed using Partial Least Squares Structural Equation Modelling (PLS-SEM). Results show that DPS adoption significantly improves SCP through efficiency, transparency, and responsiveness, with supplier trust and collaboration partially mediating these effects. The model explained 56% of the variance in SCP, underscoring the dual importance of technological adoption and relational governance. The study contributes by integrating digitalisation and trust-based perspectives within an African SME context. Practically, it highlights the need for reliable digital infrastructure and trust-building mechanisms. Limitations include its cross-sectional and single-city scope; future research should adopt longitudinal and cross-country designs.

Copyright
© 2025 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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Volume Title
Proceedings of the International Conference on Sustainable Business and Entrepreneurship (ICSBE 2025)
Series
Advances in Economics, Business and Management Research
Publication Date
26 December 2025
ISBN
978-94-6463-930-8
ISSN
2352-5428
DOI
10.2991/978-94-6463-930-8_28How to use a DOI?
Copyright
© 2025 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Cite this article

risenwbib
TY  - CONF
AU  - Theophilus Kofi Anyanful
AU  - Emelia Dede Nartey
AU  - Baaba Owusu-Bempah
PY  - 2025
DA  - 2025/12/26
TI  - The Role of Digital Payment Systems on Supply Chain Performance in Small Business Enterprises in Accra, Ghana: The Mediating Roles of Supplier Trust and Collaboration.
BT  - Proceedings of the International Conference on Sustainable Business and Entrepreneurship (ICSBE 2025)
PB  - Atlantis Press
SP  - 443
EP  - 465
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6463-930-8_28
DO  - 10.2991/978-94-6463-930-8_28
ID  - Anyanful2025
ER  -