Cooperative Cost-Sharing and the Economic Feasibility of Shared AI Surveillance Adoption among Small-Scale Enterprises in Offa, Nigeria

Authors

  • Jamiu Adeniyi Yusuf * Department Economics and Social Research, National Institute for Legislative and Democratic Studies https://orcid.org/0009-0000-3915-4347
  • Rokeebat Adeola Amuda Department of Economics, College of Management and Social Sciences, Summit University, Offa, Kwara State, Nigeria

https://doi.org/10.22105/masi.vi.124

Abstract

Small-scale enterprises often face a difficult trade-off between the need for effective security and the high fixed cost of digital surveillance technologies. This study examines whether cooperative cost-sharing can improve the economic feasibility of shared artificial intelligence (AI)-enabled surveillance among small-scale enterprises in Offa, Kwara State, Nigeria. The study uses questionnaire evidence from 120 respondents and a comparative financial model. The instrument recorded a Cronbach’s alpha of 0.842. Descriptive results show that lack of technical knowledge was a major perceived constraint (mean = 4.12), while the need for continuous technical support was also strongly rated (mean = 4.45). Respondents likewise reported strong agreement that individual acquisition was costly (mean = 4.54), shared ownership reduced financial strain (mean = 4.38), and shared adoption improved affordability (mean = 4.29). The reported financial model estimates first-year cost at ₦2.20 million for individual adoption and ₦310,000 per member under the cooperative model, producing benefit-cost ratios of 0.55 and 3.87, respectively. A one-sample t-test of the reported cooperative-framework efficiency index produced t(119) = 18.42, p < .001. The findings indicate that pooling fixed technology costs can substantially improve perceived and modeled feasibility, but implementation depends on technical support, transparent governance, privacy safeguards and public support. The study contributes an applied management-analytics perspective on collective digital investment in resource-constrained enterprise settings.

Keywords:

artificial intelligence; cooperative cost-sharing; surveillance; benefit-cost ratio; technology adoption; small-scale enterprises

References

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Published

2026-10-08

Data Availability Statement

The Primary data collected for this work are available with the authors and the Research and Innovation Unit of Summit University, Offa, Kwara State, Nigeria.

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Copyright (c) 2026 Jamiu Adeniyi Yusuf, Rokeebat Adeola Amuda

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How to Cite

Yusuf, J. A., & Amuda, R. A. . (2026). Cooperative Cost-Sharing and the Economic Feasibility of Shared AI Surveillance Adoption among Small-Scale Enterprises in Offa, Nigeria. Management Analytics and Social Insights. https://doi.org/10.22105/masi.vi.124

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