The study looks at what influences the uptake of online mobile lending and how financial laws in Cameroon affect SMEs in a moderating method. Utilizing TAM factors (Technological Infrastructure Awareness, Trust, Perceived Risk, Usefulness, and Behavioural Intention). The study explores the ways in which financial rules affect SMEs’ adoption of mobile money through the financial liberalization theories as well as the moderating impact of financial regulations on the SME’s intention to adopt mobile money in Cameroon. Using a questionnaire and Smart PLS version 3.3.7 for analysis, the study uses a mixed-method analysis with a sample size of 384 participants. According to the findings, financial management procedures may be improved via mobile money services and technology advancements. In addition to offering useful insights into the advantages of mobile financing for SMEs and economic growth, the research advances the theoretical understanding of financial inclusion and literacy. The research contributes theoretically by providing theoretical improvements to advance financial inclusion and financial literacy Recommendations cover consumer security and privacy, licensing, permission, and service execution.