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ABSTRACT
The study investigated the impact of payment systems on small and medium enterprises in Nigeria adopting mobile Banking services , automated teller machine services, point of sales and internet banking services as well as other variables within the time frame of 1990-2020, and the choice of this period was based on availability of data . This study adopted the time series data for the population and sample and for the theoretical framework which is the foundation of this work , the study made use of the unified theory of acceptance and the use of technology (UTAUT) . The following results were found : Commercial bank loan to small services enterprise significantly but negatively affect the performance of small and Medium scale enterprise in Nigeria, while mobile banking services, Automated teller machine and point of sale (POS) services significantly and positively affect the performance of small and medium scale enterprise in Nigeria.
