Authors : Hélder José Afonso; Sofia Ahamad de Jany Vasco

Volume/Issue : Volume 11 - 2026, Issue 4 - April

Google Scholar : https://tinyurl.com/3n2v8aaz

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DOI : https://doi.org/10.38124/ijisrt/26apr2469

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Abstract : This article comparatively analyzes the use of E-Mola in the financial management of two companies in the city of Nampula, Mozambique, during the period 2023-2024. A qualitative comparative approach was adopted, guided by the interpretivist paradigm, with semi-structured interviews conducted with eight participants (four per company) and direct observation at the premises. Results revealed that E-Mola adoption was not homogeneous: one company used the platform at a basic level (receiving payments), while the other achieved an intermediate-advanced level (receiving and making payments). Identified benefits included security, speed, cost reduction, improved cash flow, and transparency; challenges included transaction limits, network instability, and low digital literacy. It is concluded that E-Mola contributed positively to transparency, formalization, and operational efficiency in the studied organizations.

Keywords : E-Mola; Financial Management; Financial Inclusion; Comparative Study; Digital Transformation.

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