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Nigerian payment systems are cash-driven and it is the main mode of payments transactions. However, the Point of Sales (POS), which is meant to encourage cashless economy as against the cashcentered operations, is challenged with issues of availability of infrastructure and security. This study examined the availability of infrastructure and adoption of POS of selected SMEs in Lagos state, Nigeria. The study adopted a cross-sectional survey research design. The population of the study consisted of selected SMEs who are users of POS in Lagos State estimated at 11,663 and sample size of 2,059 was adopted for the study. The respondents were selected from among the SMEs used for this study. A validated questionnaire from the sectors surveyed was used for the study. The sectors include: oil & gas, banking and insurance, and manufacturing. A total of 2,059 copies of the questionnaire were administered, with a response rate of 77.1%. The Cronbach’s alpha coefficients for the constructs are 0.727 for adoption of POS, 0.799 for availability infrastructure and 0.758 for POS security. The data were analysed using descriptive and inferential (Pearson Product Moment correlation) statistics. The findings revealed that there was a significant relationship between availability of infrastructure and Adoption of POS (r=0.407; p < 0.01) and similar relationship also existed between POS security and Adoption of POS (r = 0.437; p < 0.01). The study concluded that availability of infrastructure had significant and positive relationship with adoption of POS of selected business organisations who are SMEs in Lagos State, Nigeria. Thus recommended that there is need to ensure the adequate infrastructural availability by various stakeholders to adopt POS and assure of security of data transactions and reports generated using the device by the selected organizations in Lagos state, Nigeria. International Journal of Academic Research in Business and Social Sciences Vol. 9 , No. 1, Jan, 2019, E-ISSN: 2 2 22 -6990 © 2019 HRMARS 139

Availability of Infrastructure and Adoption of Point of Sales of Selected Small and Medium Enterprises (SMEs) in Lagos State, Nigeria