From Connectivity to Continuity: The Power of Cashless Mobile Access and Experience in Micro and Small Businesses in Fragile Contexts

This study investigates the influence of access to mobile cashless technology on enterprise continuity intention and cash flow management skills. It also explores the influence of cashless technology, knowledge, and experience on enterprise continuity intention and cash flow management skills, and examines the direct relationship between cash flow management skills and enterprise continuity intention among micro and small enterprises during crises and in an unstable context. The 259 responses collected from micro and small entrepreneurs were analyzed by Partial Least Squares Structural Equation Modeling. The hypotheses tested reported a positive and significant relationship between access to mobile cashless technology and enterprise continuity intention and cash flow management skills. Furthermore, it was found that cashless technology knowledge and experience have a positive and significant relationship with enterprise continuity intention, as well as cash flow management skills. Finally, cash flow management skills were found to positively influence enterprise continuity intention. The study offers theoretical and practical implications for policymakers and other stakeholders to improve cashless transactions in the context of the study.