Digital marketing transformation through artificial intelligence: A study of Nigerian small businesses
Abstract:
Purpose: This study examines the impact of Artificial Intelligence (AI) on Digital Marketing Transformation among Nigerian Small and Medium Enterprises (SMEs). Specifically, it evaluates how AI-driven customer relationship management (CRM) systems enhance digital marketing and investigates how AI-based decision-making relates to marketing transformation.
Methods: The study employed a descriptive survey research design in Lagos State, Nigeria’s commercial and technological hub. From a population of 11,663 SMEs, a sample size of 371 was selected using the Krejcie and Morgan (1970) formula. Data were collected through structured questionnaires and analyzed using descriptive and inferential statistics, with hypotheses tested at a 5% significance level.
Results: Findings show strong agreement that AI-enabled CRM tools enhance customer engagement, personalized service delivery, and competitive advantage. The study also found a statistically significant relationship between AI-based decision-making and digital marketing transformation, indicating that AI improves strategic precision, operational efficiency, and responsiveness to market conditions.
Conclusion: AI technologies—especially CRM automation and data-driven decision-making—are vital enablers of digital marketing transformation. Their adoption strengthens customer interaction, supports predictive insights, and promotes sustainable marketing innovation among SMEs.
Limitations: The study focused solely on SMEs in Lagos State, which may limit the generalizability of its findings across Nigeria.
Contribution: This research provides timely empirical insight into how AI-driven CRM systems and AI-supported decision-making reshape digital marketing practices and customer relationship dynamics among Nigerian SMEs, offering implications for future technological adoption, managerial strategy, and policy development.
Downloads

Dieses Werk steht unter der Lizenz Creative Commons Namensnennung - Weitergabe unter gleichen Bedingungen 4.0 International.
Adegbuyi, A., Noor, S., & Adeniyi, A. O. (2024a). Leveraging Artificial Intelligence to Enhance Marketing Performance of E-Commerce Platforms in Nigeria. International Journal of Operational Research in Management, Social Sciences & Education, 10(1), 102-123. doi:https://doi.org/10.48028/iiprds/ijormsse.v10.i1.07
Adegbuyi, A., Noor, S., & Adeniyi, A. O. (2024b). Role of artificial intelligence on small and medium-sized enterprises (SMES) management in southwest, Nigeria. International Journal of Entrepreneurship Technology and Innovation, 1(1), 11-28.
Arakpogun, E. O., Elsahn, Z., Olan, F., & Elsahn, F. (2021). Artificial intelligence in Africa: Challenges and opportunities. The fourth industrial revolution: Implementation of artificial intelligence for growing business success, 935, 375-388. doi:https://doi.org/10.1007/978-3-030-62796-6_22
Azage, J., & Ikpeazu, P. C. (2024). AI-Driven Customer Relationship Management Practices and Sustainable Growth of Nigerian Smes. International Journal of Business and Management Research, 5(3), 143-171.
Bandari, V. (2019). The impact of artificial intelligence on the revenue growth of small businesses in developing countries: an empirical study. Reviews of Contemporary Business Analytics, 2(1), 33-44.
Basri, W. (2020). Examining the impact of artificial intelligence (AI)-assisted social media marketing on the performance of small and medium enterprises: toward effective business management in the Saudi Arabian context. International Journal of Computational Intelligence Systems, 13(1), 142-152. doi:https://doi.org/10.2991/ijcis.d.200127.002
Benitez, J., Arenas, A., Castillo, A., & Esteves, J. (2022). Impact of digital leadership capability on innovation performance: The role of platform digitization capability. Information & Management, 59(2). doi:https://doi.org/10.1016/j.im.2022.103590
Benitez, J., Ruiz, L., Castillo, A., & Llorens, J. (2020). How corporate social responsibility activities influence employer reputation: The role of social media capability. Decision support systems, 129. doi:https://doi.org/10.1016/j.dss.2019.113223
Beyari, H., & Garamoun, H. (2022). The effect of artificial intelligence on end-user online purchasing decisions: Toward an integrated conceptual framework. Sustainability, 14(15), 1-17. doi:https://doi.org/10.3390/su14159637
Chaffey, D., & Ellis-Chadwick, F. (2019). Digital marketing: Pearson uk.
Chaffey, D., & Ellis-Chadwick, F. (2022). Digital Marketing: Strategy, Implementation, and Practice (8 ed.). Harlow, United Kingdom: Pearson Education Limited.
Chan, C. M., Teoh, S. Y., Yeow, A., & Pan, G. (2019). Agility in responding to disruptive digital innovation: Case study of an SME. Information systems journal, 29(2), 436-455. doi:https://doi.org/10.1111/isj.12215
Chatterjee, S., Chaudhuri, R., Vrontis, D., Thrassou, A., & Ghosh, S. K. (2021). Adoption of artificial intelligence-integrated CRM systems in agile organizations in India. Technological Forecasting and Social Change, 168. doi:https://doi.org/10.1016/j.techfore.2021.120783
Chukwuemeka, F. E., Kn, N. E., Chinenye Monica, O., & Promise, O. C. (2024). Smart Technology and Sustainability of SMES in Anambra State, Nigeria. International Journal of Business and Management Research, 5(1), 121-143.
Dauda, M., & Gulani, G. (2025). Impact of Digital Marketing and Artificial Inteligence on SME Performance in Nigeria. Uniben Journal of Marketing, 4(1), 258-269.
Davenport, T., Guha, A., Grewal, D., & Bressgott, T. (2020). How artificial intelligence will change the future of marketing. Journal of the Academy of Marketing science, 48(1), 24-42. doi:https://doi.org/10.1007/s11747-019-00696-0
Davenport, T. H. (2018). The AI advantage: How to put the artificial intelligence revolution to work. Cambridge, MA: MIT Press.
Davis, F. D. (1989). Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology. MIS quarterly, 13(3), 319-340. doi:https://doi.org/10.2307/249008
Desai, V., & Vidyapeeth, B. (2019). Digital marketing: A review. International Journal of Trend in Scientific Research and Development, 5(5), 196-200.
Dwivedi, Y. K., Hughes, L., Ismagilova, E., Aarts, G., Coombs, C., Crick, T., . . . Eirug, A. (2021). Artificial Intelligence (AI): Multidisciplinary perspectives on emerging challenges, opportunities, and agenda for research, practice and policy. International Journal of Information Management, 57. doi:https://doi.org/10.1016/j.ijinfomgt.2019.08.002
Ebuka, A. A., Chike, N. K., Chigozie, U. S., & Muhammed, I. A. (2025). Artificial intelligence adoption and business performance: Evidence from small and medium enterprises in emerging markets. International Journal of Public Administration and Management Research, 11(2), 69-86.
Ebuka, A. A., Emmanuel, D., & Idigo, P. (2023). Artificial intelligence as a catalyst for the sustainability of Small and Medium Scale Businesses (SMEs) in Nigeria. Annals of Management and Organization Research, 5(1), 1-11. doi:https://doi.org/10.35912/amor.v5i1.1719
Ghasemaghaei, M., & Calic, G. (2020). Assessing the impact of big data on firm innovation performance: Big data is not always better data. Journal of Business Research, 108, 147-162. doi:https://doi.org/10.1016/j.jbusres.2019.09.062
Guerola-Navarro, V., Gil-Gomez, H., Oltra-Badenes, R., & Sendra-García, J. (2021). Customer relationship management and its impact on innovation: A literature review. Journal of Business Research, 129, 83-87. doi:https://doi.org/10.1016/j.jbusres.2021.02.050
Holzinger, A., Langs, G., Denk, H., Zatloukal, K., & Müller, H. (2019). Causability and explainability of artificial intelligence in medicine. Wiley interdisciplinary reviews: data mining and knowledge discovery, 9(4). doi:https://doi.org/10.1002/widm.1312
Ifekanandu, C. C., Anene, J. N., Iloka, C. B., & Ewuzie, C. O. (2023). Influence of artificial intelligence (AI) on customer experience and loyalty: Mediating role of personalization. Journal of Data Acquisition and Processing, 38(3), 1936-1959. doi:https://doi.org/10.5281/zenodo.98549423
Ifekanandu, C. C., Ezirim, A. C., & Asemota, K. U. (2023). Artificial Intelligence Adoption and MarketingPerformance of Quoted Manufacturing Firms in Nigeria. Int. J. Innov. Sci. Res. Technol, 8, 1194-1207. doi:https://doi.org/10.5281/zenodo.8305002
Iyelolu, T. V., Agu, E. E., Idemudia, C., & Ijomah, T. I. (2024). Improving customer engagement and crm for smes with ai driven solutions and future enhancements. International journal of engineering research and development, 20(8), 1150-1168.
Jarek, K., & Mazurek, G. (2019). Marketing and artificial intelligence. Central European Business Review, 8(2), 46-55.
Kabir, M. F., Rahman, M. A., Al Mobin, K. S., & Rana, M. I. C. (2025). The Impact of Artificial Intelligence on Business Transformation: Enhancing Decision-Making, Operational Efficiency, and Customer Experience. IJSAT-International Journal on Science and Technology, 16(1). doi:https://doi.org/10.71097/IJSAT.v16.i1.2421
Kassa, B. Y., & Worku, E. K. (2025). The impact of artificial intelligence on organizational performance: The mediating role of employee productivity. Journal of Open Innovation: Technology, Market, and Complexity, 11(1). doi:https://doi.org/10.1016/j.joitmc.2025.100474
Krejcie, R. V., & Morgan, D. W. (1970). Determining sample size for research activities. Educational and Psychological Measurement, 30(3), 607-610.
Lee, Y., Kozar, K. A., & Larsen, K. R. (2003). The technology acceptance model: Past, present, and future. Communications of the Association for Information Systems, 12(1), 752-780. doi:https://doi.org/10.17705/1CAIS.01250
Marston, S., Li, Z., Bandyopadhyay, S., Zhang, J., & Ghalsasi, A. (2011). Cloud computing—The business perspective. Decision support systems, 51(1), 176-189. doi:https://doi.org/10.1016/j.dss.2010.12.006
McCarthy, J. (2007). What is Artificial Intelligence? . Retrieved from http://www-formal.stanford.edu/jmc/whatisai/whatisai.pdf
Nigeria, S. a. M. E. D. A. o., & Statistics, N. B. o. (2013). SMEDAN and National Bureau of Statistics collaborative survey: Selected findings. Retrieved from Abuja, Nigeria: https://www.smedan.gov.ng/
Nuseir, M. T., El Refae, G. A., Aljumah, A., Alshurideh, M., Urabi, S., & Kurdi, B. A. (2023). Digital marketing strategies and the impact on customer experience: A systematic review. The effect of information technology on business and marketing intelligence systems, 1056, 21-44. doi:https://doi.org/10.1007/978-3-031-12382-5_2
Nwabuike, C. C., Onodugo, V. A., Arachie, A., & Nkwunonwo, U. C. (2020). Blockchain technology for cyber security: Performance implications on emerging markets multinational corporations, overview of Nigerian internationalized banks. International journal of scientific & technology research, 9(8), 244-252.
Nwagbala, S. C., Ezeanokwasa, F. N., Nwachukwu, R., Uzodike, N. J., & Nwosu, O. P. (2025). AI adoption and sustainability of SMES in Africa: Opportunities and challenges. International Journal of Science and Research Archive, 14(1), 467-475. doi:https://doi.org/10.30574/ijsra.2025.14.1.0009
Ojambo, M., & Y?lmaz, N. (2020). Mobile Banking Activities and Technology Acceptance Models and Theories: A Case Study of Uganda. Journal of Consumer and Consumption Research, 12(2), 403-454.
Okafor, C. A., & Chia, I. I. (2024). Digital Strategies and Operational Efficiency of Small Businesses in North Central Nigeria. International Journal of Capacity Building in Education and Management, 6(3), 17-34.
Okwudiri, N., Arachie, A. E., Elechi, S., & Egede, F. (2025). Effect of digital marketing adoption on the sustainable growth of small and medium enterprises (SMEs): evidence from Nigeria. Corporate Sustainable Management Journal (CSMJ), 3(2), 38-44. doi:https://doi.org/10.26480/csmj.02.2025.38.44
Olan, F., Arakpogun, E. O., Suklan, J., Nakpodia, F., Damij, N., & Jayawickrama, U. (2022). Artificial intelligence and knowledge sharing: Contributing factors to organizational performance. Journal of Business Research, 145, 605-615. doi:https://doi.org/10.1016/j.jbusres.2022.03.008
Omonzejele, F. E., & Okogun, F. (2025). Artificial Intelligence and Productivity in Nigerian Small Scale Businesses: A Review of Literature. Journal of Management Science and Entrepreneurship, 8(7), 154-171. doi:https://doi.org/10.70382/bejmse.v8i7.033
Osho, V. M., & Ogunode, P. O. (2016). Impact of service quality on customer satisfaction in the telecommunication industry. Academic Discourse: An International Journal, 9(1), 108-119.
Pascalau, S. V., & Urziceanu, R. M. (2020). Traditional Marketing Versus Digital Marketing. Agora International Journal of Economical Sciences, 14, 1-14. doi:https://doi.org/10.15837/aijes.v14i0.4202
Rust, R. T. (2020). The future of marketing. International Journal of Research in marketing, 37(1), 15-26. doi:https://doi.org/10.1016/j.ijresmar.2019.08.002
Soni, N., Sharma, E. K., Singh, N., & Kapoor, A. (2020). Artificial intelligence in business: from research and innovation to market deployment. Procedia Computer Science, 167, 2200-2210. doi:https://doi.org/10.1016/j.procs.2020.03.272
Sun, Y., & Wang, P. (2021). The e-commerce investment and enterprise performance based on customer relationship management. Journal of Global Information Management (JGIM), 30(3), 1-15. doi:https://doi.org/10.4018/JGIM.20220701.oa9
Umetiti, C. B., Nwafor, A. E., Arachie, A. E., & Ifeme, A. P. (2025). Digital literacy in the context of small and medium enterprises (SMEs): A performance dynamics. International Journal of Public Administration and Management Research, 11(1), 1-17.
Vashishth, T. K., Sharma, V., Sharma, K. K., Kumar, B., Chaudhary, S., & Panwar, R. (2024). Enhancing customer experience through AI-enabled content personalization in e-commerce marketing. In M. Ltifi (Ed.), Advances in digital marketing in the era of artificial intelligence (pp. 7-32). Boca Raton, FL: CRC Press.
Venkatesh, V., & Davis, F. D. (2000). A theoretical extension of the technology acceptance model: Four longitudinal field studies. Management Science, 46(2), 186-204. doi:https://doi.org/10.1287/mnsc.46.2.186.11926
Venkatesh, V., Morris, M. G., Davis, G. B., & Davis, F. D. (2003). User acceptance of information technology: Toward a unified view. MIS quarterly, 27(3), 425-478. doi:https://doi.org/10.2307/30036540
Wamba, S. F. (2022). Impact of artificial intelligence assimilation on firm performance: The mediating effects of organizational agility and customer agility. International Journal of Information Management, 67. doi:https://doi.org/10.1016/j.ijinfomgt.2022.102544
Yadav, M. K., & Dwivedi, N. (2023). Impact of AI on Business The Business and Management Review, 5(3). doi:https://doi.org/10.36948/ijfmr.2023.v05i03.2791
- Adegbuyi, A., Noor, S., & Adeniyi, A. O. (2024a). Leveraging Artificial Intelligence to Enhance Marketing Performance of E-Commerce Platforms in Nigeria. International Journal of Operational Research in Management, Social Sciences & Education, 10(1), 102-123. doi:https://doi.org/10.48028/iiprds/ijormsse.v10.i1.07
- Adegbuyi, A., Noor, S., & Adeniyi, A. O. (2024b). Role of artificial intelligence on small and medium-sized enterprises (SMES) management in southwest, Nigeria. International Journal of Entrepreneurship Technology and Innovation, 1(1), 11-28.
- Arakpogun, E. O., Elsahn, Z., Olan, F., & Elsahn, F. (2021). Artificial intelligence in Africa: Challenges and opportunities. The fourth industrial revolution: Implementation of artificial intelligence for growing business success, 935, 375-388. doi:https://doi.org/10.1007/978-3-030-62796-6_22
- Azage, J., & Ikpeazu, P. C. (2024). AI-Driven Customer Relationship Management Practices and Sustainable Growth of Nigerian Smes. International Journal of Business and Management Research, 5(3), 143-171.
- Bandari, V. (2019). The impact of artificial intelligence on the revenue growth of small businesses in developing countries: an empirical study. Reviews of Contemporary Business Analytics, 2(1), 33-44.
- Basri, W. (2020). Examining the impact of artificial intelligence (AI)-assisted social media marketing on the performance of small and medium enterprises: toward effective business management in the Saudi Arabian context. International Journal of Computational Intelligence Systems, 13(1), 142-152. doi:https://doi.org/10.2991/ijcis.d.200127.002
- Benitez, J., Arenas, A., Castillo, A., & Esteves, J. (2022). Impact of digital leadership capability on innovation performance: The role of platform digitization capability. Information & Management, 59(2). doi:https://doi.org/10.1016/j.im.2022.103590
- Benitez, J., Ruiz, L., Castillo, A., & Llorens, J. (2020). How corporate social responsibility activities influence employer reputation: The role of social media capability. Decision support systems, 129. doi:https://doi.org/10.1016/j.dss.2019.113223
- Beyari, H., & Garamoun, H. (2022). The effect of artificial intelligence on end-user online purchasing decisions: Toward an integrated conceptual framework. Sustainability, 14(15), 1-17. doi:https://doi.org/10.3390/su14159637
- Chaffey, D., & Ellis-Chadwick, F. (2019). Digital marketing: Pearson uk.
- Chaffey, D., & Ellis-Chadwick, F. (2022). Digital Marketing: Strategy, Implementation, and Practice (8 ed.). Harlow, United Kingdom: Pearson Education Limited.
- Chan, C. M., Teoh, S. Y., Yeow, A., & Pan, G. (2019). Agility in responding to disruptive digital innovation: Case study of an SME. Information systems journal, 29(2), 436-455. doi:https://doi.org/10.1111/isj.12215
- Chatterjee, S., Chaudhuri, R., Vrontis, D., Thrassou, A., & Ghosh, S. K. (2021). Adoption of artificial intelligence-integrated CRM systems in agile organizations in India. Technological Forecasting and Social Change, 168. doi:https://doi.org/10.1016/j.techfore.2021.120783
- Chukwuemeka, F. E., Kn, N. E., Chinenye Monica, O., & Promise, O. C. (2024). Smart Technology and Sustainability of SMES in Anambra State, Nigeria. International Journal of Business and Management Research, 5(1), 121-143.
- Dauda, M., & Gulani, G. (2025). Impact of Digital Marketing and Artificial Inteligence on SME Performance in Nigeria. Uniben Journal of Marketing, 4(1), 258-269.
- Davenport, T., Guha, A., Grewal, D., & Bressgott, T. (2020). How artificial intelligence will change the future of marketing. Journal of the Academy of Marketing science, 48(1), 24-42. doi:https://doi.org/10.1007/s11747-019-00696-0
- Davenport, T. H. (2018). The AI advantage: How to put the artificial intelligence revolution to work. Cambridge, MA: MIT Press.
- Davis, F. D. (1989). Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology. MIS quarterly, 13(3), 319-340. doi:https://doi.org/10.2307/249008
- Desai, V., & Vidyapeeth, B. (2019). Digital marketing: A review. International Journal of Trend in Scientific Research and Development, 5(5), 196-200.
- Dwivedi, Y. K., Hughes, L., Ismagilova, E., Aarts, G., Coombs, C., Crick, T., . . . Eirug, A. (2021). Artificial Intelligence (AI): Multidisciplinary perspectives on emerging challenges, opportunities, and agenda for research, practice and policy. International Journal of Information Management, 57. doi:https://doi.org/10.1016/j.ijinfomgt.2019.08.002
- Ebuka, A. A., Chike, N. K., Chigozie, U. S., & Muhammed, I. A. (2025). Artificial intelligence adoption and business performance: Evidence from small and medium enterprises in emerging markets. International Journal of Public Administration and Management Research, 11(2), 69-86.
- Ebuka, A. A., Emmanuel, D., & Idigo, P. (2023). Artificial intelligence as a catalyst for the sustainability of Small and Medium Scale Businesses (SMEs) in Nigeria. Annals of Management and Organization Research, 5(1), 1-11. doi:https://doi.org/10.35912/amor.v5i1.1719
- Ghasemaghaei, M., & Calic, G. (2020). Assessing the impact of big data on firm innovation performance: Big data is not always better data. Journal of Business Research, 108, 147-162. doi:https://doi.org/10.1016/j.jbusres.2019.09.062
- Guerola-Navarro, V., Gil-Gomez, H., Oltra-Badenes, R., & Sendra-García, J. (2021). Customer relationship management and its impact on innovation: A literature review. Journal of Business Research, 129, 83-87. doi:https://doi.org/10.1016/j.jbusres.2021.02.050
- Holzinger, A., Langs, G., Denk, H., Zatloukal, K., & Müller, H. (2019). Causability and explainability of artificial intelligence in medicine. Wiley interdisciplinary reviews: data mining and knowledge discovery, 9(4). doi:https://doi.org/10.1002/widm.1312
- Ifekanandu, C. C., Anene, J. N., Iloka, C. B., & Ewuzie, C. O. (2023). Influence of artificial intelligence (AI) on customer experience and loyalty: Mediating role of personalization. Journal of Data Acquisition and Processing, 38(3), 1936-1959. doi:https://doi.org/10.5281/zenodo.98549423
- Ifekanandu, C. C., Ezirim, A. C., & Asemota, K. U. (2023). Artificial Intelligence Adoption and MarketingPerformance of Quoted Manufacturing Firms in Nigeria. Int. J. Innov. Sci. Res. Technol, 8, 1194-1207. doi:https://doi.org/10.5281/zenodo.8305002
- Iyelolu, T. V., Agu, E. E., Idemudia, C., & Ijomah, T. I. (2024). Improving customer engagement and crm for smes with ai driven solutions and future enhancements. International journal of engineering research and development, 20(8), 1150-1168.
- Jarek, K., & Mazurek, G. (2019). Marketing and artificial intelligence. Central European Business Review, 8(2), 46-55.
- Kabir, M. F., Rahman, M. A., Al Mobin, K. S., & Rana, M. I. C. (2025). The Impact of Artificial Intelligence on Business Transformation: Enhancing Decision-Making, Operational Efficiency, and Customer Experience. IJSAT-International Journal on Science and Technology, 16(1). doi:https://doi.org/10.71097/IJSAT.v16.i1.2421
- Kassa, B. Y., & Worku, E. K. (2025). The impact of artificial intelligence on organizational performance: The mediating role of employee productivity. Journal of Open Innovation: Technology, Market, and Complexity, 11(1). doi:https://doi.org/10.1016/j.joitmc.2025.100474
- Krejcie, R. V., & Morgan, D. W. (1970). Determining sample size for research activities. Educational and Psychological Measurement, 30(3), 607-610.
- Lee, Y., Kozar, K. A., & Larsen, K. R. (2003). The technology acceptance model: Past, present, and future. Communications of the Association for Information Systems, 12(1), 752-780. doi:https://doi.org/10.17705/1CAIS.01250
- Marston, S., Li, Z., Bandyopadhyay, S., Zhang, J., & Ghalsasi, A. (2011). Cloud computing—The business perspective. Decision support systems, 51(1), 176-189. doi:https://doi.org/10.1016/j.dss.2010.12.006
- McCarthy, J. (2007). What is Artificial Intelligence? . Retrieved from http://www-formal.stanford.edu/jmc/whatisai/whatisai.pdf
- Nigeria, S. a. M. E. D. A. o., & Statistics, N. B. o. (2013). SMEDAN and National Bureau of Statistics collaborative survey: Selected findings. Retrieved from Abuja, Nigeria: https://www.smedan.gov.ng/
- Nuseir, M. T., El Refae, G. A., Aljumah, A., Alshurideh, M., Urabi, S., & Kurdi, B. A. (2023). Digital marketing strategies and the impact on customer experience: A systematic review. The effect of information technology on business and marketing intelligence systems, 1056, 21-44. doi:https://doi.org/10.1007/978-3-031-12382-5_2
- Nwabuike, C. C., Onodugo, V. A., Arachie, A., & Nkwunonwo, U. C. (2020). Blockchain technology for cyber security: Performance implications on emerging markets multinational corporations, overview of Nigerian internationalized banks. International journal of scientific & technology research, 9(8), 244-252.
- Nwagbala, S. C., Ezeanokwasa, F. N., Nwachukwu, R., Uzodike, N. J., & Nwosu, O. P. (2025). AI adoption and sustainability of SMES in Africa: Opportunities and challenges. International Journal of Science and Research Archive, 14(1), 467-475. doi:https://doi.org/10.30574/ijsra.2025.14.1.0009
- Ojambo, M., & Y?lmaz, N. (2020). Mobile Banking Activities and Technology Acceptance Models and Theories: A Case Study of Uganda. Journal of Consumer and Consumption Research, 12(2), 403-454.
- Okafor, C. A., & Chia, I. I. (2024). Digital Strategies and Operational Efficiency of Small Businesses in North Central Nigeria. International Journal of Capacity Building in Education and Management, 6(3), 17-34.
- Okwudiri, N., Arachie, A. E., Elechi, S., & Egede, F. (2025). Effect of digital marketing adoption on the sustainable growth of small and medium enterprises (SMEs): evidence from Nigeria. Corporate Sustainable Management Journal (CSMJ), 3(2), 38-44. doi:https://doi.org/10.26480/csmj.02.2025.38.44
- Olan, F., Arakpogun, E. O., Suklan, J., Nakpodia, F., Damij, N., & Jayawickrama, U. (2022). Artificial intelligence and knowledge sharing: Contributing factors to organizational performance. Journal of Business Research, 145, 605-615. doi:https://doi.org/10.1016/j.jbusres.2022.03.008
- Omonzejele, F. E., & Okogun, F. (2025). Artificial Intelligence and Productivity in Nigerian Small Scale Businesses: A Review of Literature. Journal of Management Science and Entrepreneurship, 8(7), 154-171. doi:https://doi.org/10.70382/bejmse.v8i7.033
- Osho, V. M., & Ogunode, P. O. (2016). Impact of service quality on customer satisfaction in the telecommunication industry. Academic Discourse: An International Journal, 9(1), 108-119.
- Pascalau, S. V., & Urziceanu, R. M. (2020). Traditional Marketing Versus Digital Marketing. Agora International Journal of Economical Sciences, 14, 1-14. doi:https://doi.org/10.15837/aijes.v14i0.4202
- Rust, R. T. (2020). The future of marketing. International Journal of Research in marketing, 37(1), 15-26. doi:https://doi.org/10.1016/j.ijresmar.2019.08.002
- Soni, N., Sharma, E. K., Singh, N., & Kapoor, A. (2020). Artificial intelligence in business: from research and innovation to market deployment. Procedia Computer Science, 167, 2200-2210. doi:https://doi.org/10.1016/j.procs.2020.03.272
- Sun, Y., & Wang, P. (2021). The e-commerce investment and enterprise performance based on customer relationship management. Journal of Global Information Management (JGIM), 30(3), 1-15. doi:https://doi.org/10.4018/JGIM.20220701.oa9
- Umetiti, C. B., Nwafor, A. E., Arachie, A. E., & Ifeme, A. P. (2025). Digital literacy in the context of small and medium enterprises (SMEs): A performance dynamics. International Journal of Public Administration and Management Research, 11(1), 1-17.
- Vashishth, T. K., Sharma, V., Sharma, K. K., Kumar, B., Chaudhary, S., & Panwar, R. (2024). Enhancing customer experience through AI-enabled content personalization in e-commerce marketing. In M. Ltifi (Ed.), Advances in digital marketing in the era of artificial intelligence (pp. 7-32). Boca Raton, FL: CRC Press.
- Venkatesh, V., & Davis, F. D. (2000). A theoretical extension of the technology acceptance model: Four longitudinal field studies. Management Science, 46(2), 186-204. doi:https://doi.org/10.1287/mnsc.46.2.186.11926
- Venkatesh, V., Morris, M. G., Davis, G. B., & Davis, F. D. (2003). User acceptance of information technology: Toward a unified view. MIS quarterly, 27(3), 425-478. doi:https://doi.org/10.2307/30036540
- Wamba, S. F. (2022). Impact of artificial intelligence assimilation on firm performance: The mediating effects of organizational agility and customer agility. International Journal of Information Management, 67. doi:https://doi.org/10.1016/j.ijinfomgt.2022.102544
- Yadav, M. K., & Dwivedi, N. (2023). Impact of AI on Business The Business and Management Review, 5(3). doi:https://doi.org/10.36948/ijfmr.2023.v05i03.2791