The development of the mobile money services permits the businesses and
the individuals to get access to the financial services and become part of the
financial system.

Access to the financial system is a key drive to business
growth and entrepreneurial development in Somalia and in many parts of the

The purpose of this study was to examine the contribution of the mobile money services to the growth of the small and the medium sized enterprises in Somalia.

We applied dynamic capability theory to examine the factors that affect the business growth.

This study employed cross sectional research design and used quantitative techniques to analyze the data of the study.
The target population of the study was business owners that are in major cities in Somalia. A sample of 138 business categorized by trade, services and
manufactures were studied.



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