Relevant bibliographies by topics / Cashless banking

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  1. Journal articles

Academic literature on the topic 'Cashless banking'

Author: Grafiati
Published: 4 June 2021
Last updated: 11 June 2025

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Journal articles on the topic "Cashless banking"

1

Urhie, Ese, Ogechi Chiagozie Amonu, Chiderah Mbah, et al. "Banking technology and cashless economy in selected Sub-Saharan African countries: does education matter?" Journal of Money Laundering Control 24, no. 3 (2021): 584–95. http://dx.doi.org/10.1108/jmlc-10-2020-0122.

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Purpose This study aims to analyze the effect of banking technology [automated teller machine (ATM) and mobile cellular devices (MOBs)] and other traditional factors on the level of currency in circulation for a sample of 21 selected sub-Saharan African (SSA) countries. It also assessed the mitigating effect of education on the relationship between banking technology and the cashless economy. Design/methodology/approach The study used a panel data approach to design a cashless economy model with banking technology – ATM and MOBs – as well as their interaction with education as regressors. Findings This study finds that MOB is significant for promoting a cashless economy, whereas ATM is insignificant in sample SSA countries. The level of education and the number of bank branches were also found to be significant in promoting a cashless economy. The interaction between education and ATM was insignificant but negatively signed, whereas that between education and MOB was significant but had a positive sign. Research limitations/implications Non-availability of data restricted this work to a panel study of selected SSA countries. Subsequent studies should consider single-country case studies. Practical implications Findings from the study imply that for banking technology to drive a cashless economy effectively, education has to be improved. Originality/value The ratio of cash in circulation to total money supply was used as a measure of the cashless economy. The study also evaluated the moderating effect of education on banking technology.
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2

Felix, Umanhonlen O., Umanhonlen I. Rebecca, and Omoruyi K. Igbinoba. "Appraisal of the Impact of e-Banking and Cashless Society in the Nigerian Economy." Management and Economics Research Journal 01 (2015): 34. http://dx.doi.org/10.18639/merj.2015.01.162936.

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The article appraises the impact of e-banking and cashless society in the Nigerian economy. The study explores various aspects of e-banking and cashless economy using the banking sector of the Nigerian economy as a focal point. Specifically, the paper articulates empirical opinions that highlight the possible ways these policy measures have direct links to beneficiaries and the weighted outcomes when divergence is noticed and how to bring back the soundness, sustainable and rebranding policy that ensures economic growth. The paper holds that for a sustainable cashless society to emerge all hands must be on desk; banks should de-emphasize all odds and ensure that efficiencies of e-banking mechanisms are of utmost priority. It, therefore, recommends that adequate plans be in place to sensitize the general public about the effects and lay down procedures to check possible drawbacks. It, however, concludes by imploring all avenues and reports that relevant agency, service providers, operators, and those who have direct access to information to advocate as timely as when necessary about the implicit needs and benefits behind the cashless economy.
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3

Cachia, Andre, and Ronald Aquilina. "Evaluating the Critical Factors towards a Cashless Society: Maltese Banking Sector Perspectives." MCAST Journal of Applied Research & Practice 4, no. 2 (2020): 107–26. http://dx.doi.org/10.5604/01.3001.0014.5693.

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After the financial crisis in 2008, there has been a notable increase in cashless transactions, as well as significant improvements in structures and mechanisms in the banking sector. Accordingly, this study seeks to analyse the opportunities and threats in the local banking sector emanating from the pressure to move towards a cashless society. Malta is a country stepped in traditions with the European Central Bank report (2016) stating that Malta is the cash capital of the EU, leading the list of countries where most transactions are effected directly in cash. In coordination with other institutions, governments are moving from cash-based to a cashless system by introducing online facilities to their citizens, such as the online portals, whereby citizens can execute online payments. in order to increase efficiency in handling financial transactions and decrease costs. This has led to the idea of a cashless society. This study assesses several aspects within the Maltese banking sector focusing on the trend towards a cashless society. Through semi-structured interviews held with managerial employees within banks operating locally, the researchers analyse the level of understanding, the pre-requisites required, the stumbling blocks to be removed and all the advantages and disadvantages that banks are experiencing to reduce cash transactions and make the move towards a mostly cashless society. The key findings from this study include a unanimous confirmation from all the banks interviewed that education is the most important element at this stage. A shift in culture and mentality is also required to ultimately lead towards higher accountability, transparency and less frauds. The main concern among the bank representatives interviewed for this study, is the lack of liquidity for banks. The benefits derived from a cashless society are various, and outweigh all the costs and burdens. This study found out that all the banks are in favour of a cashless society. However, some of the banks are adopting a more conservative style where they await the core banks to make the first move; since their moves tend to be regarded as a drop in the ocean, when compared to strategies adopted by core banks, locally.
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4

Hasan, Aslam, Mohammed Atif Aman, and Mohd Ashraf Ali. "Cashless Economy in India: Challenges Ahead." Shanlax International Journal of Commerce 8, no. 1 (2020): 21–30. http://dx.doi.org/10.34293/commerce.v8i1.839.

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In an attempt to curb-out black money, money laundering, and to have a sound economy, the central government of India has embarked on the cashless economy. It is the birth of a new era in the nation with life with digital money. This paper is going to conceptualize the meaning of a cashless system, explains online banking techniques in India, schemes by government to spread the cashless system in India and highlights the challenges of the cashless economy and electronic payment systems. The objective of this study is to examine the significant challenges that are faced by Indians on the way towards cashless. To achieve the objectives of this exploratory type of personal study, interviews will be conducted.
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5

Aderemi Adeyemo, Kingsley, David Isiavwe, Dorcas Adetula, Olusanmi Olamide, and Owolabi Folashade. "Mandatory adoption of the Central Bank of Nigeria’s cashless and e-payment policy: implications for bank customers." Banks and Bank Systems 15, no. 2 (2020): 243–53. http://dx.doi.org/10.21511/bbs.15(2).2020.21.

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This study seeks to uncover the projected gains and challenges of a cashless and e-payment policy in Nigeria, with particular emphasis on the wellbeing of bank clients, and to examine the extent to which the promised benefits of the policy were realized eight years down the line of implementation. Researchers provided copies of a research questionnaire to selected bankers and bank customers in Ogun and Lagos states of Nigeria to find perceptions of the two stakeholder groups regarding the subject matter. Three hypotheses formulated were tested using ANOVA. The paper reveals that the cashless banking initiative in Nigeria has significantly enhanced bank customer satisfaction; the implementation of the cashless banking structure in Nigeria has not led to a significant reduction in the level of cash fraud in Nigerian banks; and the adoption of a cashless economy practice in Nigeria has significantly improved the management of bank customer funds in terms of spending and saving. The paper, in particular, recommends that bank regulators constantly and widely cooperate with all key stakeholders in the system in the fight against cybercrime. This will make the electronic space safe and reliable for use in doing banking in Nigeria and beyond. Acknowledgment The authors wish to acknowledge Covenant University for its financial support during the work on this paper.
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6

Odumeru, James Adetunji. "Going Cashless : Adoption of Mobile Banking in Nigeria." Nigerian Chapter of Arabian Journal of Business and Management Review 1, no. 2 (2013): 9–17. http://dx.doi.org/10.12816/0003615.

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7

Kumar, Shivangee. "Digital/Cashless Economy: The Changing Landscape of India." International Journal of Research in Engineering, Science and Management 3, no. 9 (2020): 129–32. http://dx.doi.org/10.47607/ijresm.2020.306.

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Digital/ Cashless banking has become talk of the town recently. People are opting for digital payments using mobile applications/wallets instead of cash and GOI/RBI is also promoting it through various schemes and incentivisation. This mode of payments has actually changed the dynamics of consumer and corporate relationships with their banks. Now, instead of taking out cash from our wallets, we open our mobile wallets to make payments or transfer money to someone. We do not wait for the bank branch to open and stand in long queues for getting our cash deposited in account neither we wait to withdraw cash. Likewise, we do not count cash at shopping counters and make the payment in a flash using our debit/ credit card. All this is possible because of the innovation in IT and its optimum utilization by our banks. The present paper will give an idea about what is this buzz word “Digital/ Cashless Banking” and how has it changed the banking relationships these days.
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8

Kushu, S. O. "SPECIFICS OF CASHLESS PAYMENTS IN MODERN SOCIETY." Scientific bulletin of the Southern Institute of Management 1, no. 3 (2016): 42–44. http://dx.doi.org/10.31775/2305-3100-2016-3-42-44.

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The relevance of this study due to the fact that the dynamic development of cashless payments has led to the emergence of a new sector of banking services. The article describes the main conditions that led to the strengthening of the procedure of cashless payments, the objective associated with providing a variety of business processes implemented by economic agents to meet their informative needs.
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9

Tade, Oludayo, and Oluwatosin Adeniyi. "Dimensions of Electronic Fraud and Governance of Trust in Nigeria’s Cashless Ecosystem." International Journal of Offender Therapy and Comparative Criminology 64, no. 16 (2020): 1717–40. http://dx.doi.org/10.1177/0306624x20928028.

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A negative outcome of the nascent cashless policy in Nigeria has been persistent electronic banking fraud (e-fraud). Fraud occurrence in any financial space indicates insecurity and loopholes being exploited by fraudsters. This underscores the importance of trust governance in electronic banking and its centrality in a transiting cashless economy like Nigeria. Against this background, we investigated e-banking fraud and the role trust governance plays in both the adoption and refusal to migrate and use electronic banking in Nigeria. Using qualitative methods (in-depth and key informant interviews) of data collection, 30 participants were purposively selected and in some instances reached through the snowball and referral methods. Findings showed internal, external, and collaborative dimensions of e-fraud. Experiences of fraud reportedly affected adoption and migration of bank customers to e-banking platforms. Although weak governance mechanism was reported, banks nonetheless are embracing security mechanisms such as sending SCAM alert messages to customers, while shaming and sack of compromised staff were employed as within-bank measures to secure the confidence of customers in the evolving financial ecosystem.
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10

Farrugia, Karl, and Theresa Demanuele Montebello. "The Government Perspective towards a Cashless Economy in Malta." MCAST Journal of Applied Research & Practice 4, no. 2 (2020): 4–34. http://dx.doi.org/10.5604/01.3001.0014.5688.

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Advancements in technology throughout the years have led to the emergence of cashless societies, in which most of the payments are conducted electronically. In Malta, the accessibility of different payment methods started to increase in 2013, when people started increasing their use of online payments, direct debit, and prepaid cards. Although these cashless systems are convenient and efficient, the Maltese population still use cash as their main payment instrument. Therefore, local banks started to make single payments easy by introducing contactless systems and mobile banking applications. The Government of Malta together with the Central Bank of Malta, are working to move towards a cashless economy which is accessible for everyone. This research focuses on the government’s perspective towards a cashless economy in Malta. The results show that a local cashless economy is achievable, but it is something that can be achieved over a longer length of time, rather than being a short term objective. The findings indicate that a cashless economy will have a positive effect on the Maltese economy, and further growth can be expected.
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