Small-Scale and Individual Entrepreneurs (SIEs) play a key role in economic growth of develop-ing countries. The principal objective of this study is to investigate M-money and M-commerce contribution to business growth in Ghana. A cross-sectional survey is used to collect the neces-sary data and a total of 480 SIEs respondents participated in the study. https://halohealthcarers.shop/product-category/facial-skin-care/