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1

Zargar, Nasir Ahmad, Rossanto Dwi Handoyo, Unggul Heiqbaldi, Kabiru Hannafi Ibrahim, Umar Ali, and Erika Nafatul Ula. "Adoption of Cashless Economy: A Review." Manajemen dan Bisnis 22, no. 2 (2023): 74. http://dx.doi.org/10.24123/jmb.v22i2.701.

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The adoption of cashless economies has become a popular trend globally. Cashless transactions provide convenience, security, and faster processing times compared to traditional cash payments. This review intends to provide an overview of the adopted literature on cashless economies, including their drivers and barriers. The review highlights the role of technology, government policies, and social factors in shaping the adoption of cashless economies. Additionally, the review discusses the implications of the adoption of cashless economies for businesses and consumers, including potential risks
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Agrawal, Abha. "Demonetization and cashless economy." ACADEMICIA: An International Multidisciplinary Research Journal 8, no. 6 (2018): 73. http://dx.doi.org/10.5958/2249-7137.2018.00035.6.

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3

Kumar, Raman. "India need cashless economy." International Journal of Financial Management and Economics 7, no. 2 (2024): 628–30. https://doi.org/10.33545/26179210.2024.v7.i2.427.

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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 to
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5

Krishna, V. S. "Demonetisation-Challenges in Cashless Economy." International Journal of Trend in Scientific Research and Development Volume-2, Issue-5 (2018): 762–69. http://dx.doi.org/10.31142/ijtsrd15934.

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6

Zargar, Nasir Ahmad, Ballav Niroula, Nuzulul Fatimah, Aisyah Arum Kenanga Arif, Umar Ali, and Sanju K. Singh. "Towards a Digital Revolution: Investigating the Impact of GDP, Tax Collection, and Interest Rates on Cashless Economy in India." Journal of Population and Development 4, no. 1 (2023): 91–111. http://dx.doi.org/10.3126/jpd.v4i1.64243.

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The rapid advancement of digital technologies have propelled economies worldwide towards a transformative shift to cashless transactions. In the context of India's ambitious journey towards a digital revolution, this research aims to investigate the impact of Gross Domestic Product (GDP), tax collection, and interest rates on the adoption and usage of a cashless economy in India. The objectives of the study were to explore the relationships between GDP and the cashless economy, tax collection and the cashless economy, and interest rates and the cashless economy. Three hypotheses were formulate
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Joshi, Priyanka. "Cashless Economy: A Swot Analysis." Asian Journal of Research in Social Sciences and Humanities 7, no. 3 (2017): 1477. http://dx.doi.org/10.5958/2249-7315.2017.00255.6.

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8

Goel, Meenu, Himanshi Garg, Megha Sharma, and Shiv Narain. "Cashless economy: A paradigm shift." JIMS8M The Journal of Indian Management & Strategy 26, no. 4 (2021): 11–19. http://dx.doi.org/10.5958/0973-9343.2021.00021.1.

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9

Prasad, Jyoti. "Cashless economy: A game changer." International Journal of Financial Management and Economics 6, no. 2 (2023): 195–97. https://doi.org/10.33545/26179210.2023.v6.i2.455.

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10

V., S. Krishna. "Demonetisation Challenges in Cashless Economy." International Journal of Trend in Scientific Research and Development 2, no. 5 (2018): 762–69. https://doi.org/10.31142/ijtsrd15934.

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One contemporary issue that has shook the nation in its entirety is Demonetisation. Demonetisation is an economic policy which literally means "replacement of old currency unit with a new currency unit". It is the process to curb the issue of tax evasion, to eliminate corruption, black money, counterfeit currency and terror funding. Here, Economic policy refers to the actions taken by the government for setting levels of taxation, Government budgets, money supply and interest rates and other areas of government interventions into the economy. This article examines the policy of Demon
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11

Binh, Nguyen Van, Pham Quynh Mai, and Luu Quang Huy. "Factors Affecting the Development of Cashless Economy in Vietnam." Business and Economic Research 14, no. 4 (2024): 94. http://dx.doi.org/10.5296/ber.v14i4.22351.

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Cashless economy is a common development trend of countries. It reflects the development level of a country as well as ensuring financial transparency. In Vietnam, cashless payment has gradually become familiar to most people and businesses in society. By using traditional research methods, such as synthesizing information, combining with practical observations, the authors would like to analyze and clarify the factors affecting the development of a cashless economy in Vietnam as well as propose some solutions to promote the formation of a cashless economy in Vietnam
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12

Agarwal, Himanshu, and Ashwani Sharma. "Study on Recent Development Related to Cashless Commerce in India." Journal of Commerce and Trade 12, no. 2 (2022): 66–71. https://doi.org/10.26703/JCT.v13i2-10.

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Cashless economy is a situation in which the flow of cash within an economy is non-existent and all transactions are done through electronic media channels. Prime Minister Narendra Modi, has expressed his views, on moving towards a cashless economy and creating an Indian cashless society, for betterment of Indian economy and encouraged people of India, to use cashless transactions, consider mobile phone usage, as a wallet and a bank. Moreover, the cash culture in India is dominant and people prefer to use cash wherever possible. In another step towards a cashless economy, a new service (UPI) h
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13

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. T
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14

Omotunde, Muyiwa, Tunmibi Sunday, and A.T. John-Dewole. "Impact of Cashless Economy in Nigeria." Greener Journal of Internet, Information and Communication Systems 1, no. 2 (2013): 40–43. https://doi.org/10.15580/gjiics.2013.2.020713436.

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This paper studied the impact of cashless policy in Nigeria. The policy was introduced by Central Bank of Nigeria (CBN) in December 2011 and was kick-started in Lagos in January 2012. Survey research was adopted with questionnaire as data collection instrument. Responses from the respondents show that cashless policy will increase employment; reduce cash related robbery thereby reducing risk of carrying cash; cashless policy will also reduce cash related corruption and attract more foreign investors to the country. The study, therefore, shows that the introduction of cashless economy in Nigeri
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15

Dr., Dharmendra Kumar Rashmi Mehra. "CASHLESS ECONOMY IN RURAL INDIA: CHALLENGES AND OPPORTUNITIES." Shodh Samarth- Research Journal of Commerce, Management & Economics 01, no. 02 (2024): 38–51. https://doi.org/10.5281/zenodo.13457376.

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The integration of digital payment systems into India's rural economy stands as a pivotal juncture in the nation's quest for financial inclusion and modernization. Residents of rural areas showing a tendency to consider transitioning to a cashless society, indicating some level of interest or openness. However, despite this inclination, various concerns such as security risks, lack of infrastructure, limited access to banking services, and unfamiliarity with digital payment systems can still act as significant barriers. These factors collectively contribute to hesitancy or reluctance among rur
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Dr., Dharmendra Kumar Rashmi Mehra. "CASHLESS ECONOMY IN RURAL INDIA: CHALLENGES AND OPPORTUNITIES." Shodh Samarth- Research Journal of Commerce, Management & Economics 01, no. 02 (2024): 38–51. https://doi.org/10.5281/zenodo.13457376.

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The integration of digital payment systems into India's rural economy stands as a pivotal juncture in the nation's quest for financial inclusion and modernization. Residents of rural areas showing a tendency to consider transitioning to a cashless society, indicating some level of interest or openness. However, despite this inclination, various concerns such as security risks, lack of infrastructure, limited access to banking services, and unfamiliarity with digital payment systems can still act as significant barriers. These factors collectively contribute to hesitancy or reluctance among rur
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17

Dr., Dharmendra Kumar Rashmi Mehra. "CASHLESS ECONOMY IN RURAL INDIA: CHALLENGES AND OPPORTUNITIES." Shodh Samarth- Research Journal of Commerce, Management & Economics 01, no. 02 (2024): 38–51. https://doi.org/10.5281/zenodo.13457376.

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The integration of digital payment systems into India's rural economy stands as a pivotal juncture in the nation's quest for financial inclusion and modernization. Residents of rural areas showing a tendency to consider transitioning to a cashless society, indicating some level of interest or openness. However, despite this inclination, various concerns such as security risks, lack of infrastructure, limited access to banking services, and unfamiliarity with digital payment systems can still act as significant barriers. These factors collectively contribute to hesitancy or reluctance among rur
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18

Dr., Dharmendra Kumar Rashmi Mehra. "CASHLESS ECONOMY IN RURAL INDIA: CHALLENGES AND OPPORTUNITIES." Shodh Samarth- Research Journal of Commerce, Management & Economics 01, no. 02 (2024): 38–51. https://doi.org/10.5281/zenodo.13457376.

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The integration of digital payment systems into India's rural economy stands as a pivotal juncture in the nation's quest for financial inclusion and modernization. Residents of rural areas showing a tendency to consider transitioning to a cashless society, indicating some level of interest or openness. However, despite this inclination, various concerns such as security risks, lack of infrastructure, limited access to banking services, and unfamiliarity with digital payment systems can still act as significant barriers. These factors collectively contribute to hesitancy or reluctance among rur
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19

Dr., Dharmendra Kumar Rashmi Mehra. "CASHLESS ECONOMY IN RURAL INDIA: CHALLENGES AND OPPORTUNITIES." Shodh Samarth- Research Journal of Commerce, Management & Economics 01, no. 02 (2024): 38–51. https://doi.org/10.5281/zenodo.13457376.

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The integration of digital payment systems into India's rural economy stands as a pivotal juncture in the nation's quest for financial inclusion and modernization. Residents of rural areas showing a tendency to consider transitioning to a cashless society, indicating some level of interest or openness. However, despite this inclination, various concerns such as security risks, lack of infrastructure, limited access to banking services, and unfamiliarity with digital payment systems can still act as significant barriers. These factors collectively contribute to hesitancy or reluctance among rur
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20

Tigari, Mr Harish. "Digitalization - A Step towards Cashless Economy." International Journal of Trend in Scientific Research and Development Volume-2, Issue-2 (2018): 913–17. http://dx.doi.org/10.31142/ijtsrd9536.

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21

Singh, Satvir, and Minakshi Choudhary. "Cashless Transactions: Issues and Challenges in India." International Journal of Advanced Engineering, Management and Science 7, no. 7 (2021): 79–84. https://doi.org/10.22161/ijaems.77.10.

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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 to
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22

Mary, Judit A., and Subi G. Sweetlin. "Impact of cashless economy on consumer transaction." B-Research 24, no. 2 (2024): 5. https://doi.org/10.26634/bresearch.24.2.21361.

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Digital payments experienced significant growth after demonetization, driven by government and banking regulators' efforts to promote a 'less-cash economy.' The integration of new-age technology with traditional banking methods has created a favorable environment for the financial ecosystem, providing customers with more options in the payment system space. This study aims to examine the acceptance of cashless payment methods among consumers and identify consumer perceptions of cashless transactions. It focuses on the impact of a cashless economy on consumer transactions in Kanyakumari Distric
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23

Iwańczuk-Kaliska, Anna. "<b></b>The Cashless Economy from the Perspective of SMEs: Review of Research and Recommended Directions for Future S<b>tudies</b>." Krakow Review of Economics and Management/Zeszyty Naukowe Uniwersytetu Ekonomicznego w Krakowie, no. 2(1004) (July 1, 2024): 21–43. http://dx.doi.org/10.15678/krem.2024.1004.0202.

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Objective: The aim of the paper is to provide a critical evaluation of empirical studies on cashless payments and the cashless economy from the perspective of small and medium-sized private enterprises and to identify research gaps in this area. Research Design &amp; Methods: The article is a review of empirical research on the cashless economy from the perspective of enterprises. The review relates to theory, methodology and contexts applied in studies published over a period of the last 15 years. It also includes the analysis and synthesis of findings from the studies relating to individual
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24

LAHANKAR, SARIKA MADHUKAR. "DEMONETIZATION AND CASHLESS TRANSACTIONS: IMPACT ON RETAIL BUSINESS MARKETS." JournalNX - A Multidisciplinary Peer Reviewed Journal ICACTM (May 4, 2018): 175–77. https://doi.org/10.5281/zenodo.1410269.

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Indian retail sector is going through a transformation and these emerging markets are witnessing significant change in their growth. The main aim of this study is to understand what is demonetization and causes of demonetization, what are cashless transactions and how it is beneficial to retail market, economy as well as government too and its positive and negative impact on retail business markets. Present age of Indian economy is an absolute situation to go for digitalization through cashless economy. The present paper indicates an analytical study to improve the existing cashless policies a
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25

Panda, Prashanta Chandra. "Internet Citizens, Cashless Economy and Scope of Financial Inclusions." Liberal Studies 4, no. 2 (2019): 209–17. https://doi.org/10.5281/zenodo.3874041.

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A cashless economy is one in which all the transactions are performed using cards or by digital means. In India demonetization of currencies, digitalized (cashless) transactions are promoted in order to give a fillip to a cashless economy. Bank connectivity is a must for digital transactions. Strict enforcement of digital transactions will rapid the process to ensure financial inclusion in a time bound manner. Rush to the cashless economy or digital money system has its merits and certain demerits if you are not alert. One of the most important aspects is that it will pave the way for universa
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26

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. Find
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27

Thabani, Nyoni. "TOWARDS A CASHLESS ZIMBABWE: AN EMPIRICAL ANALYSIS." International Journal of Marketing & Financial Management 6, no. 1 (2018): 32–44. https://doi.org/10.5281/zenodo.10816909.

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<strong>ABSTRACT</strong> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&ldquo;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <em>This study seeks to empirically examine the benefits and convenience of the cashless economy in Zimbabwe. To achieve its objectives, the study employed a qualitative research approach, in which accidental sampling technique was employed. The results indicate that the emergence of the cashless economy paradigm in Zimbabwe has posed benefits to economic agents. However, results also ind
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Singh, Amit Kumar. "Demonetization: A Step towards Cashless Economy." International Journal for Research in Applied Science and Engineering Technology 6 (January 31, 2018): 750–53. http://dx.doi.org/10.22214/ijraset.2018.1114.

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Omotunde, Muyiwa, Tunmibi Sunday, and A. T. John-Dewole. "Impact of Cashless Economy in Nigeria." Greener Journal of Internet, Information and Communication Systems 1, no. 2 (2013): 040–43. http://dx.doi.org/10.15580/gjiics.2013.2.020713436.

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30

Hendrickson, Joshua R. "Jürg Niehans and the Cashless Economy." American Economist 62, no. 2 (2017): 149–64. http://dx.doi.org/10.1177/0569434516672764.

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31

Kaur, Rajwinder. "INDIA’S PROGRESSIVE TRANSITION TOWARDS CASHLESS ECONOMY." Global Journal of Commerce & Management Perspective 6, no. 6 (2017): 30–35. http://dx.doi.org/10.24105/gjcmp.6.6.1705.

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32

S, P. Murugan. "Impact on Implementation of Cashless Economy." Shanlax International Journal of Commerce 6, S1 (2018): 46–52. https://doi.org/10.5281/zenodo.1461434.

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The current monetary system (paper currency) is traditional and it has a physical&nbsp;form that people could identify. &nbsp;The currency notes (Cash or money) is an instrument&nbsp;used for the exchange of goods and services from one person to another person.&nbsp;Cash is used in India for a large array of transactions in the informal sector and&nbsp;the formal sector. Money is the lubricant of the market economy. It is how payments&nbsp;are made. If we did not have money, we would be reduced to barter. When money&nbsp;is disrupted, the working of the market economy is disrupted. However, it
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33

Mr., Harish Tigari. "Digitalization A Step towards Cashless Economy." International Journal of Trend in Scientific Research and Development 2, no. 2 (2018): 913–17. https://doi.org/10.31142/ijtsrd9536.

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The recent policy decision by the government of India to tackle the quicker economic progress is the promotion of money less economy or cash less economy or digital economy, which creates a platform to maintain accountability for every transaction which helps to control corruption. The Recent policy initiative by the government of India is termination of five hundred and thousand denominations from circulation in the country. This enables the transparency in the governance system by encouraging the non cash payments or digital payments. The fundamental base for cash less economy is the demonet
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34

IWEDI, Marshal, Dumini S. IGBANIBO, and Chidinma UZO-AHUNANYA. "Effects of Cashless Economy Policy on National Development: Evidence from Nigeria." Journal of Economics and Management Sciences 1, no. 2 (2018): p56. http://dx.doi.org/10.30560/jems.v1n2p56.

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Prior to this time, Nigeria economy was largely described as cash and paper based economy with significant proportion of the narrow money stock in form of currency outside the banking system. In a bid to drive national development, modernization of payment system and to limit the practice of the use of cash in business transaction in line with the global economy, the Central Bank of Nigeria introduced the cashless policy in January 2012 as a pilot scheme in Lagos. Since the declaration of cashless policy, there has been controversy in the academia with respect to the effects on national develo
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35

Wibowo, Joshi Maharani, and Sugeng Hariadi. "Will the use of cashless subsidy potentially reduce illegal underground economy activity? A case study in Indonesia." Business, Management and Economics Engineering 23, no. 01 (2025): 67–91. https://doi.org/10.3846/bmee.2025.19967.

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Purpose – This study was conducted to understand the potential of cashless subsidy to reduce illegal underground economy activity in Indonesia. Research methodology – The research was done through a qualitative approach then analyzed based on the content analysis and sentiment analysis using Digital Public Services Index frim Digital Economy and Society Index (DESI) research methodology as base. The data used on this study are Indonesia e-news on kompas.com, detik.com, and tempo.co from March 2021- 2022 using two keywords “subsidi” (subsidy), “non-tunai” (cashless) and “nirsentuh” (contactless
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36

Ahmad, Dr Mohd O., and Dr Khalid Arshad. "A Study of Cashless Economy after Demonetization and its Impact on Economic Growth with Special Reference to Sustainable Development Goals." International Scientific Journal of Engineering and Management 04, no. 04 (2025): 1–6. https://doi.org/10.55041/isjem02533.

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This paper explores the cashless economy in India, emphasizing technology's role in sustainability and entrepreneurship, highlighting the shift towards electronic payments and innovative opportunities for sustainability and entrepreneurship. cashless economy promotes sustainability by reducing environmental impact, conserving resources, minimizing paper currency usage, aligning with sustainable development principles and encouraging responsible consumption and production patterns. The cashless economy fosters entrepreneurial ventures, innovation, job creation, and economic growth by enabling d
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Sharma, Ashwani, and Himanshu Agarwal. "Merchandiser Perception of Cashless Transaction: A Case Study of District Meerut of Uttar Pradesh State In India." Research Journal of Philosophy & Social Sciences 44, no. 3 (2019): 1–13. https://doi.org/10.5281/zenodo.5816446.

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Digital payment is a future of cashless economy and most of&nbsp;Indians are using Digital payment for their transaction but&nbsp;after&nbsp;demonetization it feels like a compulsory for all but not enforceable by&nbsp;law of India. Suddenly the change in economy, this is not easy to covert&nbsp;from cash to cashless due to unavailability of infrastructure facility for&nbsp;this cashless platform. General people discuss some issues and benefits&nbsp;with each and on other side merchandisers were very embarrassingdue&nbsp;to new way of currency transaction. The regular practises of physical&nbs
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38

Hladchuk, Olha, and Daniil Halishchuk. "Correlation of the distribution of cashless banking transactions and certain macroeconomic indicators in Ukraine." Galician economic journal 90, no. 5 (2024): 113–21. http://dx.doi.org/10.33108/galicianvisnyk_tntu2024.05.113.

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This article is devoted to outlining current trends in the cashless banking sector in Ukraine and exploring the correlations between the spread of cashless banking transactions and certain macroeconomic indicators (including gross domestic product per capita) to improve the methodology for studying the cashless activities of banks and forming effective mechanisms for their further development. The study employs special quantitative methods, including statistical and correlation analysis, which characterize the relationships between the spread of cashless banking transactions and certain macroe
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Ifeyinwa Nkemdilim Obiokafor. "Approaches to a secure, sustainable, and diversified Nigerian economy in a cashless society." World Journal of Advanced Research and Reviews 20, no. 2 (2023): 389–96. http://dx.doi.org/10.30574/wjarr.2023.20.2.2266.

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The pervasive reliance on cybersecurity innovations by enterprise organizations for secure electronic file-sharing networks across all business transactions is critical to realizing Nigeria's sustainable diversified economy (SDE) for long-term economic growth. According to the literature, people are increasingly moving away from using cash for transactions as a result of technological advances, with only 32% of payments involving cash in the United States, 53% in the Middle East, Africa, and Nigeria, and a comparably low 58% identifying going cashless as their preferred option. Although card p
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40

Ifeyinwa, Nkemdilim Obiokafor. "Approaches to a secure, sustainable, and diversified Nigerian economy in a cashless society." World Journal of Advanced Research and Reviews 20, no. 2 (2023): 389–96. https://doi.org/10.5281/zenodo.12577908.

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The pervasive reliance on cybersecurity innovations by enterprise organizations for secure electronic file-sharing networks across all business transactions is critical to realizing Nigeria's sustainable diversified economy (SDE) for long-term economic growth. According to the literature, people are increasingly moving away from using cash for transactions as a result of technological advances, with only 32% of payments involving cash in the United States, 53% in the Middle East, Africa, and Nigeria, and a comparably low 58% identifying going cashless as their preferred option. Although card p
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41

Addai, Bismark, and Benedict Arthur. "GHANA’S ROAD TO CASHLESS ECONOMY: THE E-ZWICH EXPERIENCE." Journal on Innovation and Sustainability RISUS 11, no. 1 (2020): 52–67. http://dx.doi.org/10.23925/2179-3565.2020v11i1p52-67.

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In 2008, the Government of Ghana (GoG) through the Bank of Ghana (BoG) and Ghana Interbank Payment and Settlement System (GHIPSS) launched a smart card called e-zwich which formed a central part of the government’s plan to move the country towards a cashless economy. Modernization of the cash sector has remained at best in a confused state since it was launched and at worst an embarrassing drawback. In this article, we employ the Unified Theory of Acceptance and Use of Technology (UTAUT) and the structural equation model to estimate users' behavioral intentions and actual usage of the cashless
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Dr., Binita Nanda, and Mohanty Swetta. "A Study on the Impact of Digitalisation towards Cashless Economy in India." International Journal Of Research And Analytical Reviews 7, no. 1 (2020): 742–48. https://doi.org/10.5281/zenodo.3925626.

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Government of India had launched Digital India program with the aim of transforming the entire nation into a digitally empowered society and knowledge economy. Cashless, paperless economy is one of the perceived roles of Digital India movement. Different digital modes for financial payments are available still India continues to be driven by the utilization of money. Reason being there&#39;s nothing truly compete with the pliability of money. Government of India has taken initiatives to drive card transactions and cashless payments which posted healthy growth over the last couple of years subs
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43

Susanto, Heru, Noor Tamtini, Fahmi Ibrahim, Alifya Kayla Shafa Susanto, Desi Setiana, and Leu Fang Yie. "Demystification of Readiness, Security, and Technological Enhancements in the Adoption of a Cashless Economy." Economies 12, no. 11 (2024): 285. http://dx.doi.org/10.3390/economies12110285.

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The adoption of a cashless economy was accelerated globally by the devastating impact of the COVID-19 pandemic. Brunei Darussalam was not excluded from this trend, as pandemic-related restrictions were implemented to ensure the safety of its population. In light of the COVID-19 crisis, this research paper examines the factors influencing the readiness and acceptance of a cashless economy among working society in Brunei Darussalam. The integrated concepts of the Technology Acceptance Model (TAM) and Technology Readiness Index (TRI) are applied to examine perceptions impacting their acceptance a
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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 han
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M., Venkatramanan. "The Impact of Cashless Transaction on the Economic Growth of the India." RESEARCH REVIEW International Journal of Multidisciplinary 3, no. 12 (2018): 660–62. https://doi.org/10.5281/zenodo.2527052.

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Cashless economy is economies where the maximum transactions are do without using the physical cash or the means of hard cash. It is the economy where economic transactions are done with the facilities like credit card, debit cards and on line transactions by means of fund transfer and using e-wallets. The new policy of demonetization and the stress of the government on cashless transaction is a clear message towards the good economic growth in the country. The demonetization policy has increased the use of online banking services, cheque and e- wallets. It has not only reduced the threat of t
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Chougule, Prakash S., Tejaswi S. Kurane, Suresh T. Salunkhe, and Puja A. Pawar. "A Study of Impact of Cashless Transaction on Society Using Statistical Methods." International Journal of Innovative Science and Research Technology 5, no. 7 (2020): 300–305. http://dx.doi.org/10.38124/ijisrt20jul233.

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A cashless society describes an economic state whereby financial transaction are not conduced with money in the form of physical banknotes or coins but rather though the transfer of digital information (usually an electronic representation of money) between the transacting parties. Cashless society have existed based on barter and other methods of exchange, and cashless transactions have also become possible using digital currencies such as bit coins. Cashless India is a mission launched by the government of India led by prime minister Narendramodi to reduce dependency of Indian economy on cas
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Harshan, Akshay K. "Consumer Behaviour on Cashless Transactions in Kerala." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 03 (2025): 1–9. https://doi.org/10.55041/ijsrem43160.

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The shift towards a cashless economy has transformed consumer behaviour and financial transactions, in Kerala, India. This study analyses consumer behaviour regarding cashless transactions, focusing on awareness, preferences, satisfaction levels, and challenges faced by users. It highlights the factors influencing digital payment adoption, including security, convenience, and government initiatives such as Digital India and Smart City Mission. Through a structured questionnaire and statistical analysis. This research explores the relationship between demographic factors (age, income) and satis
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Givelyn, Irvi, Siti Rohima, Mardalena Mardalena, and Fera Widyanata. "The Impact of Cashless Payment on Indonesian Economy: Before and During Covid-19 Pandemic." Jurnal Ekonomi Pembangunan 20, no. 1 (2022): 89–104. http://dx.doi.org/10.29259/jep.v20i1.17898.

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This study aims to analyze the impact of cashless payments on Indonesia’s economy, before and during the COVID-19 pandemic. The economic growth in this study is calculated through GDP at constant price and the cashless payment in this study are represented by transactions through debit card, credit card, and e-money. The data used in this study uses secondary data in the form of time series data from January 2018 to December 2022. The data was obtained from the Central Bank of Indonesia (BI) statistic data and Statistics Indonesia (BPS). The analytical method used in this study is the Autoregr
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Samat, Muhammad Faizal, and Zaim Aizat Afdhal Bashri. "Empirical Insights on Small Business Owners in a Digital Economy: The Mediating Role of Facilitating Conditions." Global Conference on Business and Social Sciences Proceeding 16, no. 1 (2024): 83. https://doi.org/10.35609/gcbssproceeding.2024.1(83).

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The global shift towards a digitized economy is transforming payment systems, with cashless transactions becoming increasingly prominent. This evolution is particularly crucial for Small and Medium Enterprises (SMEs), which are the backbone of many economies. In Malaysia, the government has actively promoted a cashless agenda, recognizing its potential to enhance transparency, efficiency, and financial inclusion (Urus &amp; Mohamed, 2021). Klang Valley, a region leading Malaysia's digital transformation, provides an ideal context to examine the factors influencing cashless payment adoption amo
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Amugo, Frank, and Abeki Okoro. "Nigeria Cashless Economy Policy: Implications for Economic Development and Efficient Allocation of Government Resources." International Journal of Scientific Research in Humanities Legal Studies & International Relations 7, no. 1 (2023): 104–22. http://dx.doi.org/10.48028/iiprds/ijsrhlir.v7.i1.11.

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This paper investigates Nigeria Cashless Economy Policy: Implications for Economic Development and Efficient Allocation of Government Resources. The correlation research method was adopted for the study to ascertain the relationship between variables in the study. A correlation research design measures a relationship between two variables without the researcher controlling either of them. The study obtained data from both primary and secondary sources. The Pearson Product Moment Correlation (PPMC) analysis was used to answer the research questions, while the Pearson Test of Significance was us
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