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June 10, 2026Routledge Open ResearchOpen Access

Digital Payment Adoption and Cross-Border Trade Efficiency Among Small and Medium Enterprises in East Africa

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Authors

SSSixbert SangwaMMMatthew MuathimeEEEden Engida

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Overview

Randomized trial evaluates cross-border trade efficiency improvements through digital payment adoption in SMEs, suggesting policy enhancements.

Key Points

  • This study aims to evaluate the impact of digital payment adoption on trade efficiency among SMEs in East Africa, considering institutional factors.
  • Analyzed harmonized dataset from 2023–2025 World Bank Enterprise Surveys and country-level indicators.
  • Evaluated associations between electronic payment adoption and trade efficiency metrics using ordinary least squares models.
  • Tested the moderating effects of payment-system interoperability and regulatory alignment on efficiency outcomes.
  • Electronic payment adoption leads to 1.5 fewer customs-clearance days (p = 0.019).
  • Compliance costs decrease by 2.1 percentage points (p = 0.006).
  • Perceived unpredictability significantly declines (p = 0.009), especially in low remittance-corridor cost environments.

Cite This Study

Sangwa et al. (2026) studied this question.

synapsesocial.com/papers/6a2900566f82f25be989cec9https://doi.org/10.12688/routledgeopenres.21764.2
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