keywords: USSD, Online payment, E-commerce system, E-payment, Financial technology.
The way we conduct business has been altered by technology. It has completely changed how financial transactions are conducted, but in the long run, requires certain things like smart gadgets and internet connection. As a result, businesses have lost a sizable number of potential clients. To close the gap and give businesses the ability to collect money from various clients, Unstructured Supplementary Service Data (USSD)-based payment processing was developed. Additionally, a web-based tool was developed to help merchants/retailers keep track of their clientele. To create an appropriate USSD application for this system, agile technique was used. Results gained from testing a prototype system utilizing Sandbox App demonstrated that customers can use USSD and SMS technologies to pay for items instead of solely depending on online payment technologies.