The study assesses the moderating significance of financial rules on SMEs in Cameroon as well as the qualitative analysis of the variables influencing the use of online mobile loans. The purpose of this study was to ascertain the relationship between the TAM factors (Perceived Ease of Use, Usefulness, Perceived Risk, Trust, Behavioural Intention, and Knowledge of Technical Infrastructure) and the impact of financial laws on SME intents to use mobile money in Cameroon. he TAM, UTUAT, PB, and financial liberalization theories that support them form the foundation of the study’s literature. A qualitative analysis was employed in the investigation. Six experts in the field of mobile money were interviewed in-depth to get their ideas and points of view. The data analysis procedure made use of Atlas TI-22. The research illustrates how various technology innovations, such mobile money lending services, may streamline community and financial system financial management processes. The study’s qualitative results showed that while PU and PR had little effect on the relationship under consideration, PEU, TR, BI, and ATI variables had the biggest influence on respondents’ willingness to utilize online mobile loans. The results of qualitative research also show that FR positively modifies trust (TR) and the propensity of the relationship to utilize online mobile loans. By offering theoretical advancements and remedies to enhance financial inclusion and financial literacy, the research contributes to theory. In addition to client security and privacy safeguards, the research recommends authorization, certification, and service deployment to ensure the smooth operation of the service.