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Journal articles on the topic 'Cashless payment systems'

Author: Grafiati

Published: 4 June 2021

Last updated: 25 July 2025

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1

Nazarova, Iryna. "Evolution of accounting and information systems cashless payments." Herald of Economics, no. 4 (March 16, 2022): 211. http://dx.doi.org/10.35774/visnyk2021.04.211.

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Introduction. Digitalization of the market economy creates conditions for minimizing cash payments. The abandonment from cash payments is justified by positive trends in: distancing e-commerce, the use of cashless payment systems and pandemic changes in socio-economic processes. Changes in the cash payments methods require the introduction of accounting and information systems for electronic recording of money operations, accounting and reporting of payment transactions, guarantees for the safety and control of cashless money.Purpose. The aim of the article is to research the evolution of acco

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2

Marie Mezoh, Penn. "Exploring the Advantages of Cashless Payment Systems: A Comprehensive Review." International Journal of Research and Innovation in Social Science VIII, no. X (2024): 553–64. http://dx.doi.org/10.47772/ijriss.2024.8100047.

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Cashless payments are widely used for making payments between individuals and companies worldwide. Vendors have been drawn to these payment methods due to their perceived ease of use and low cost of transaction equipment. This study explores different payment methods and discusses the benefits of cashless payment, some drawbacks are mentioned for balance. The study systematically reviews several scholarly papers to assess non-cash payment methods and digital payment advantages. The method used in this study was based on secondary data that’s mainly a review of what other respected authors have

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Merla, J. V., and Jeya Merlin D. Deepha. "Barriers to cashless payment adoption." i-manager's Journal on Digital Forensics & Cyber Security 3, no. 1 (2025): 49. https://doi.org/10.26634/jdf.3.1.21336.

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The cashless payment system has experienced significant growth within the banking industry due to its convenience and numerous benefits, which makes cashless payments more appealing to consumers than traditional cash transactions. Despite these advantages, customers face barriers that hinder the full adoption of cashless payment systems. At the same time, customer trust plays a vital role in the adoption process, with factors like reliability, transparency, security, privacy, and responsiveness in digital payment platforms. This research aims to examine the barriers and trust determinants of c

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Petrosyan, Nvard. "CASHLESS SOCIETY: THE MAIN PSYCHOLOGICAL FEATURES." Modern Psychology 8, no. 1(16) (2025): 51–64. https://doi.org/10.46991/sbmp/2025.8.1.051.

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Banks worldwide provide applications that help customers manage money transfers and their financial affairs as cashless payment methods become more common. ArCa serves as the Republic of Armenia's unified payment system which enables most markets to accept non-cash transactions. Even though there is a worldwide movement to minimize cash transactions financial systems continue to heavily rely on cash. The research examines how age and employment status affect Armenians' payment practices and cash usage patterns. While earlier studies found no gender-based differences in payment preferences they

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Srouji, Jeremy, and Dominique Torre. "The Global Pandemic, Laboratory of the Cashless Economy?" International Journal of Financial Studies 10, no. 4 (2022): 109. http://dx.doi.org/10.3390/ijfs10040109.

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The COVID-19 pandemic has had a profound impact on payment systems and preferences around the world, reducing the use of cash in favor of digital payment instruments and accelerating the discussion around the need for a central bank digital currency. This article presents the digital payments and cashless agenda before and after the pandemic, focusing on how the changing payments landscape has influenced the priorities and decisions of regulators, banks and other financial intermediaries, with regards to the future shape of payment systems. It finds that while the pandemic demonstrated the ben

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Rahman, Mahfuzur, Izlin Ismail, Shamshul Bahri, and Muhammad Khalilur Rahman. "An Empirical Analysis of Cashless Payment Systems for Business Transactions." Journal of Open Innovation: Technology, Market, and Complexity 8, no. 4 (2022): 213. http://dx.doi.org/10.3390/joitmc8040213.

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This paper examines the antecedents of cashless payment systems among businesses in Malaysia. The adoption of cashless payment systems by businesses has the potential to reduce the costs related to handling huge amounts of cash in the market and enhance transaction speed. Unfortunately, its current adoption in Malaysia is still small and very little is known about the factors. A seven-factor model based on the TOE framework was developed and tested. The partial least square (PLS) statistical approach was employed to analyze data collected from 200 business entities in Malaysia. The results rev

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Kredina, A., A. Akparova, and L. Vasa. "Analysis Of The Dynamics Of Cashless Payments In Kazakhstan In The Context Of The Covid-19 Pandemic." Economics: the strategy and practice 16, no. 2 (2021): 54–61. http://dx.doi.org/10.51176/1997-9967-2021-2-54-61.

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The COVID-19 pandemic has accelerated the development of FinTech and the transition to cashless payments of the population of various countries, including Kazakhstan. For provision of cashless payments there are created platforms which work in NFC & MFS systems, they protected by security protocols (Secure Element (SE)) and allow to store confidential user data. Changes in the business model of banks have led to the emergence of a new format of banking products and services that can be used through smartphones (the main operating systems Android and iOS). The goal of the study is to analyz

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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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Bemby, Fatih Andesita Wuri, and Alfiyatul Qomariyah. "Does Financial Literacy Matter in Cashless Payment Usage?" Jurnal Akuntansi dan Keuangan 25, no. 2 (2023): 117–28. http://dx.doi.org/10.9744/jak.25.2.117-128.

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This study aims to examine the effect of social influence and effort expectancy on the intention to use and actual usage of cashless payment systems with financial literacy as moderating variable. To conduct this study questionnaires were distributed to all active accounting students at Airlangga University and from there, 128 research samples were obtained. The collected data were analyzed using WarpPLS 8.0. The results show that effort expectancy and social influence have a positive effect on the intention to use cashless payment systems. The result also shows that the intention to use cashl

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Otabek, Abdullayevich Eshqovov. "Problems and prospects of the development of cashless payments: the role of the banking system and the state." Multidisciplinary Journal of Science and Technology 3, no. 4 (2023): 20–23. https://doi.org/10.5281/zenodo.10071697.

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Cashless payments have become increasingly popular in recent years, with many countries adopting digital payment systems to improve efficiency and reduce the need for physical cash. However, the transition to cashless payments also creates a number of problems and disadvantages that need to be addressed. In this article, we study the problems and prospects of the development of cashless payments, focusing on the role of the banking system and the state.

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Ishak, Mohd Fikri, Ainun Nadzirah Mahmood, Nurshafiqa Izzati Mohamad Zaini, et al. "Adoption of Cashless Payment Among Undergraduate Students: A Case Study." Information Management and Business Review 16, no. 3S(I)a (2024): 1072–85. http://dx.doi.org/10.22610/imbr.v16i3s(i)a.4197.

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The increasing acceptance of cashless payment systems has led to a significant transformation in the global financial transaction landscape in recent years. As technology evolves and consumer preferences shift, digital payment methods are gradually taking the place of traditional cash transactions. This change not only facilitates financial transactions for individuals and businesses but also has significant implications for convenience, security, and financial inclusion. This paper investigates the key factors driving the transition to cashless transactions during this period, along with the

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Pykhtin, S. V. "Payment by QR-Code as a Cashless Settlement Method." Courier of Kutafin Moscow State Law University (MSAL)), no. 1 (March 24, 2023): 104–10. http://dx.doi.org/10.17803/2311-5998.2023.101.1.104-110.

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After Apple suspended the use of the Apple Pay application for bank cards of international payment systems Visa and Mastercard for residents of Russia in March 2022 and Google (Google Pay) and Samsung (Samsung Pay) followed suit, settlements by QR-codes became a real alternative for making payments using smartphones. The article discusses the technical and legal aspects of making payments using QR-codes. The author showed, that payment using a QR-code is not a form of non-cash payments. By its legal nature, a QR-code is a machine-readable form of submitting a payment order to pay a certain amo

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Moradeyo, Adebanjo OTITOJU, Ozioma ALIYU Aisha, Queensly OLAIYA Anuolu, and Kyangtuk GAMBO Stephanie. "Cashless Policy and E-payment Systems in Nigeria: A Synthesis of Literature." International Journal of Social Science and Humanities Research 11, no. 3 (2023): 145–51. https://doi.org/10.5281/zenodo.8262753.

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<strong>Abstract:</strong> A successful and dependable money system is essential today to manage the growing complexity of financial transactions and guarantee the complete and efficient settlement of obligations. The Central Bank of Nigeria's (CBN) cashless approach strives to reduce costs, providing mobile payment services, removing existing barriers to financial empowerment for many Nigerians, and providing convenient banking services for urban, semi-urban, and rural people across the country. These platforms supply users with a variety of convenience, speed, and security for anything f

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Bataev, Alexey, and Antonina Glushkova. "Data analysis in Cashless Payment Systems." E3S Web of Conferences 320 (2021): 03005. http://dx.doi.org/10.1051/e3sconf/202132003005.

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The use of artificial intelligence in the financial sphere are analyzed in this study. One of the possible areas of using neural network in financial institutions is the system of cashless payments. One of the main problems in introducing innovative projects is to evaluate the efficiency of the implemented information system. In this regard, the construction of an investment model that allows evaluating the implementation and use of artificial intelligence in the cashless payments system of financial institutions is proposed in this article. Based on the constructed model, an analysis is made

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J, FATHIMA, NITHILA S, SADHA SIVAM S,, and Dr S. . REVATHY. "ADOPTION OF DIGITAL PAYMENT IN SMALL BUISNESS IN COIMBATORE." International Scientific Journal of Engineering and Management 04, no. 04 (2025): 1–7. https://doi.org/10.55041/isjem02704.

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This study aims to explore the adoption of digital payment systems among small businesses in Coimbatore. With the growing emphasis on a cashless economy, digital payments have become an essential part of daily business transactions. The study focuses on analyzing the attitudes of small business owners towards digital payment systems, identifying the key factors influencing their preference, measuring their level of satisfaction, and understanding the challenges they face. Data was collected through surveys and interactions with local business owners, revealing that while many have adopted digi

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Mohd Sidek, Noor Zahirah, Azyyati Anuar, Muhammad Hanif Othman, and Ahmad Afif Ahmarofi. "CASHLESS PAYMENT HESITANCY AMONGST UNIVERSITY STUDENTS." Journal of Information System and Technology Management 9, no. 36 (2024): 134–48. https://doi.org/10.35631/jistm.936009.

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Electronic payments, also known as cashless transactions, offer numerous advantages over traditional cash transactions, such as eliminating the need for change, reducing the risk of theft, and enhancing convenience. Many retailers have embraced electronic payment methods, including QR pay, credit or debit cards, and e-wallets, as viable alternatives for customers. Despite the availability of these options, there remains a reluctance among university students and staff to fully adopt cashless payment methods. In addition, issues such as concerns over privacy and data security, a lack of trust i

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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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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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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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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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Kubiczek, Jakub. "Effects of COVID-19 on payment method preferences of Poles." Financial Internet Quarterly 18, no. 4 (2022): 35–49. http://dx.doi.org/10.2478/fiqf-2022-0026.

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Abstract Repeated payments create a certain habit in terms of the preferred payment method. Its formation stems from the simultaneous effect of a variety of factors, while its persistent character implies a difficulty in its change. The outbreak of the COVID-19 pandemic has influenced the terms of how society functions, thus affecting multiple spheres of people’s lives, including making purchases and payments. The aim of this paper is to identify and present the multidimensional impact of the COVID-19 pandemic on payment method preferences of people in Poland. The results indicate that the COV

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Dhoke, Satish. "Digital Payment System in India: Development and Future Consideration." Studies in Indian Place Names 40, no. 38 (2020): 219–24. https://doi.org/10.5281/zenodo.10451412.

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<strong>Abstract:</strong>This research paper aims to explore in India a digital payment system, and thus identify development and future consideration. The paper discusses conceptual framework, digital payment platforms, instruments and services available in the economy and their robustness. The also defines strategies to overcome the challenges faced by the economy in digitizing the financial system.The present research paper is focusing on the impact of these new digital paymentsystems on customers and problems encountered if any.<strong>Keyword:-Digital payment, Ca

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Kumari, Shalini. "“Impact of Digital Payments on Consumption and Expense in India”." International Scientific Journal of Engineering and Management 04, no. 05 (2025): 1–7. https://doi.org/10.55041/isjem03398.

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Abstract: The rapid advancement of digital technology has significantly transformed the landscape of financial transactions. This study delves into the adoption and usage of digital payment systems in India, especially post the COVID-19 pandemic. It analyzes consumer preferences, factors influencing adoption, and the challenges faced by users and businesses alike. With a focus on the transition from cash to cashless transactions, the study highlights trends, awareness levels, and the overall impact on the economy. The findings are supported by primary and secondary data, offering a comprehensi

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John, Nwani Jemima, Nwaimo Chilaka Emmanuel, Kanu Success Ikechi, and Chinonso Karen Eke. "Cashless Policy and the Nigerian Payment System." INTERNATIONAL JOURNAL OF INNOVATION AND ECONOMIC DEVELOPMENT 5, no. 6 (2020): 7–28. http://dx.doi.org/10.18775/ijied.1849-7551-7020.2015.56.2001.

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Before the introduction of the cashless policy by the Central Bank of Nigeria in 2011, the Nigerian economy was heavily cash-oriented in its transaction of goods and services contrary to the global trends. With the aid of paired data samples between 2007 and 2017, this study evaluates the impact of cashless policy on the Nigerian payment system. The operations of a cashless economy were assessed based on the use of Cheques, funds transfer channels and Automated Teller Machines (ATMs). Analysis of data showed that the volume and usage of cheques as a means of financial settlement has failed and

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CHAYKOVSKYI, Yaroslav. "MONEY CIRCULATION IN UKRAINE: CURRENT STATUS, PROBLEMS AND DIRECTIONS FOR IMPROVEMENT OF ORGANIZATION." WORLD OF FINANCE, no. 2(55) (2018): 108–22. http://dx.doi.org/10.35774/sf2018.02.108.

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Introduction. One of the most effective means to solve the acute problems of the modern stage of Ukraine's economic development is the rational organization of monetary circulation. The solution to this problem lies in the scope of the National Bank of Ukraine measures aimed, on the one hand, on improvement of cash circulation of money and, on the other hand, the development of cashless settlements. The purposeof the article is to study the current state of money circulation in Ukraine, identify the most significant problems and definition specific areas for improvement of the operation of ban

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Duemmler, Tobias, and Stephan Kienle. "A Central Banks Role In Cashless Payments." International Business & Economics Research Journal (IBER) 11, no. 7 (2012): 827. http://dx.doi.org/10.19030/iber.v11i7.7069.

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The smooth functioning of payment systems is relevant for both the efficiency of the financial sector as well as the implementation of monetary policy operations. Therefore, payment systems are often provided by central banks. The characteristics of individual payment systems, such as increasing economies of scale, favour the development of a monopolistic situation. Therefore, we consider the role of a central bank acting as a monopolist and discuss possible welfare effects. Against the background of huge systemic risks, a central bank acting as an operator of an individual payment system is s

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Trofimov, D. V. "Financial technologies in the field of retail payments: Current trends and perspectives in EU and Russia." Voprosy Ekonomiki, no. 3 (March 28, 2018): 48–63. http://dx.doi.org/10.32609/0042-8736-2018-3-48-63.

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The article analyzes tendencies of national payment systems development in the European Union and Russia: electronic and deposit money, bank cards, financial technologies in the field of retail payments. The author identifies factors that stimulate the development of cashless retail payments and the national payment card systems in the European Union, as well as the problems and prospects of this sector forming in Russia. Recommendations on the development of a competitive environment and financial technologies in the field of retail payments in Russia are proposed.

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Prasetya, Machmudin Eka, Intan Salwani Mohamed, Shuhaida Mohamed Shuhidan, and Gede Harja Wasistha. "The COVID-19 Pandemic as a Driving Force for E-Wallet Adoption in Indonesia." Business and Management Horizons 9, no. 2 (2021): 40. http://dx.doi.org/10.5296/bmh.v9i2.19335.

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During the COVID-19 pandemic, e-payment systems, also known as cashless payment systems, have steadily evolved as a payment system instrument. Changes in payment methods, followed by a growth in digital payment systems, may be driving people to use e-wallets. The functions of an e-wallet are similar to those of an e-banking or mobile banking account, but an e-wallet gives greater convenience and simplicity of access while making payments. Because the use of e-wallets can help reduce the spread of COVID-19-causing coronaviruses, this study looks into the possibilities of increasing e-wallet usa

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Septech, Jassada, Motree Socatiyanurak, and Vorapol Socatiyanurak. "Cashless Economy: The Behavior of Using E-payment in Thailand." Parichart Journal, Thaksin University 36, no. 1 (2023): 231–48. http://dx.doi.org/10.55164/pactj.v36i1.259344.

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This research article aims to study the behavior of using e-payment in Thailand, examining the financial factors of: 1) stepping into Thailand's cashless society, 2) people's perceptions of a cashless society, and 3) financial forecasting. In the research, Part 1 results indicate that Thailand is experiencing a growing behavior of using e-payment due to the continuous growth of payment channels through various payment systems and channels. According to the period from 2010 to 2021, a significant leap forward in this regard has been witnessed. Thus, Thailand is likely to transition from a cash-

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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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Chutipanich Kunanon. "Evaluating the economic impact of digital payments in Thailand: A time-series analysis from 2017 to 2024." Finance & Accounting Research Journal 7, no. 2 (2025): 78–89. https://doi.org/10.51594/farj.v7i2.1837.

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This study investigates the growth and economic impact of digital payments in Thailand using time-series data from 2017 to 2024. With the increasing adoption of cashless transactions, understanding their influence on the economy is crucial for both policymakers and businesses. We employ an ARIMA model to forecast the value of digital payment transactions, identifying key predictors such as the number of transactions, bandwidth usage, rural population, and Consumer Price Index (CPI). The results demonstrate a robust model fit, indicating that digital payment adoption has significantly influence

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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 & 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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Muhammad Ong, Adam Luqman Faiz, Dayang Hanie Shazliana Zaidatul, Mohammad Nadzmi Saifudin, Nur Farzana Izzati Jasmawari, and Noor Dalila Musa. "THE STUDY ON ADOPTION OF CASHLESS PAYMENT AMONG OFFICE SYSTEMS MANAGEMENT STUDENTS AT UITM PAHANG BRANCH, CAMPUS JENGKA." International Journal of Research in Commerce and Management Studies 06, no. 05 (2024): 241–66. http://dx.doi.org/10.38193/ijrcms.2024.6514.

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This study aimed to identify the relationship between the factors of intention to use cashless payment and adoption of cashless payment among students in semesters four and five of Office Systems Management students at UiTM Pahang Branch, Campus Jengka. This study was conducted using the correlation survey research approach with three research objectives, three research questions, and two research hypotheses that involved 134 students in semesters four and five of Office Systems Management program. By using the simple random sampling method, 97 students have been selected to be the sample in t

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Journal, IJSREM. "Advance Payment System using Wireless RFID Technology." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 08, no. 01 (2024): 1–6. http://dx.doi.org/10.55041/ijsrem28410.

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As the world is moving toward a digital era, cashless payments are quite in demand. Smart cards that need to be swiped are vulnerable to skimming attacks and data theft. Thus, there is a need to have a cashless transaction system that is fast as well as secure and allows hassle-free transactions. This Work propose a novel approach to develop an advanced cashless payment system based on RFID that can be deployed anywhere to enable faster smoother, and secure transactions. The users of the system will have to be pre- registered and all the user-related information will be saved in a MySQL databa

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Anisimova, A. A. "Opportunities and Prospects for Russia’s Transition to a Cashless Society." Financial Journal 12, no. 5 (2020): 30–42. http://dx.doi.org/10.31107/2075-1990-2020-5-30-42.

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New digital technologies now allow contactless payments to be made both at retail outlets and at a great distance from them. Until recently, such features were only a new tool to provide convenience to customers. Now, with the COVID-19 pandemic, cashless payments have become a necessity all over the world. At the same time, there are objective obstacles to a complete transition to cashless payments. The article analyzes the barriers to the transition to a cashless society exemplified by the EU countries, and assesses the development of cashless payments in Russia. The main obstacles are securi

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Vidhya, I. V., and C. Prem Sankar. "Consumer Perception towards Cashless Economy with Special Reference to Unified Payments Interface (UPI)." Shanlax International Journal of Economics 11, no. 2 (2023): 10–14. http://dx.doi.org/10.34293/economics.v11i2.6068.

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Cashless transactions are not new to India, and there are various ways for cashless transactions available to customers. A unified Payments Interface (UPI) is one of the fastest-growing digital payment systems through which users can send and receive money through a Virtual Payment Address (VPA). In 2021, UPI processed around 39 billion transactions totaling $940 billion, equivalent to 31% of India’s GDP. The study’s main objectives are to understand the unified payment system’s (UPI) growth and its progression over the years and to know consumer awareness, perception, and satisfaction towards

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Nwoke, Linda, Ifeanyi, Atemoagbo, Oyarekhua Precious, Abdullahi Aisha, and Siyan Peter. "The Impact of Cashless Policy on the Performance of Msmes in Nigeria Using Aritificial Neural Network." International Journal of Social Sciences and Humanities Invention 9, no. 08 (2022): 7182–93. http://dx.doi.org/10.18535/ijsshi/v9i08.09.

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This study investigates the impact of cashless policy on the performance of Micro, Small, and Medium-Sized Enterprises (MSMEs) in Suleja, Nigeria, using Neural Network regression model. A survey research design was employed to collect data from 400 MSMEs, which were segmented into three clusters based on their cashless payment system adoption using Artificial Neural Network Clustering algorithm. The results show that the MSMEs were segmented into three clusters, with Cluster 1 having high adoption (n=150, 37.5%), Cluster 2 having moderate adoption (n=120, 30%), and Cluster 3 having low adoptio

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Husnayetti, Husnayetti, Ellya Sestri, and Irma Novida. "Analisis Faktor Penentu Preferensi Masyarakat Milenial Dalam Menggunakan Sistem Pembayaran Secara Cashless Di Tangerang Selatan." Jurnal Teknologi Informasi (JUTECH) 1, no. 1 (2020): 33–47. http://dx.doi.org/10.32546/jutech.v1i1.851.

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The study focuses on the determinants of the millennial community preference in using cashless payment. The aim of research to identify factors that considered the millennial to use cashless payment. In theory, the factors that encourage people to adopt and use electronic payment system as follows: Socio-demographic consisting of age, sex, education and language, Financial, Technology (frequency of use of mobile banking phone, a personal computer, the Internet, PDAs and the use of the service over the phone) and Supply-side by counting the number of POS (Pont Off Sale) and ATM. Furthermore, th

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Monastyrsky, Hryhoriy, Yaroslav Chaikovskyi, Ivanna Chaikovska, and Yevhen Chaikovskyi. "DIRECTIONS OF USE OF PAYMENT CARD AS INNOVATION OF PAYMENT OF TRANSPORT ORGANIZATIONS SERVICES." Economic Analysis, no. 28(4) (2018): 143–54. http://dx.doi.org/10.35774/econa2018.04.143.

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It is carried out the analysis of the share of cash outside the banks in the money supply in Ukraine within 2013-2017 and the integral indicator of the level of the shadow economy in Ukraine for 2010-2017. The dynamics of the main indicators of functioning of the payment cards market of Ukraine during 2012-2017 is analysed. The main tendencies of development the market of payment cards in Ukraine are considered. In particular, the dynamics of the number of holders of payment cards and their issuing banks, the development of electronic payment infrastructure, the types of payment cards issued b

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Mumtaza, Qorina Mailil Husna, Shada Intishar Nabillah, Sholikhatul Amaliya, Yuveta Rosabella, and Jehad Abdelhamid Hammad. "Worldwide mobile wallet: a futuristic cashless system." Bulletin of Social Informatics Theory and Application 4, no. 2 (2020): 70–75. http://dx.doi.org/10.31763/businta.v4i2.204.

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The proliferation of the internet led to the emergence of new technology. Nowadays, many activities can be done online, such a payment. After Mobile Banking was introduced publicly, a new method for payment called mobile wallet that uses mobile application as a device appears. The ease caused by this technology should be the main reason for implementing this system on to daily basis. Nevertheless, in various countries, the usage rate of the cashless system remains uneven, caused by many factors, both from internal factors such as security risks and external factors such as the policies of the

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Sitompul, Jessica Sessi Amanda, Khaira Amalia Fachrudin, Nursakti Sihotang, Ridwan Firmansyah, and Yudika Navaloam. "Analysis of the Use of Non-Cash (Cashless) as a Payment Tool among Generation Z in Indonesia." ENDLESS: International Journal of Future Studies 5, no. 3 (2022): 129–44. http://dx.doi.org/10.54783/endlessjournal.v5i3.98.

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Technological developments, especially in the use of cashless transaction systems, have increased. Cashless society is also overly concerned about efficiency and effectiveness as well as security. Indications of the high use of cashless have an impact that makes Generation Z begin to switch to financial management as a means of payment for development. This study examines the factors that influence the Purpose and Reasons for Using Cashless as a means of payment. Data were obtained as many as 200 from respondents who were able to fill out questionnaires, the respondents were all generation Z.

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Cheria Puspita, Galih, Rochmad Nur Afsdy Saksono, and Luki Karunia. "Cashless Payment System Model at the Ministry of Cooperatives and Small and Medium Enterprises." Interdiciplinary Journal and Hummanity (INJURITY) 2, no. 11 (2023): 910–22. http://dx.doi.org/10.58631/injurity.v2i11.139.

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To encourage the creation of effective and efficient APBN implementation, widely known by the public, and accountable, the payment mechanism in the APBN implementation process must be simplified but modern with the use of information technology that is increasingly optimal. One of the efforts made is to change shopping behavior, especially related to the use of the Money Supply mechanism which gradually shifts from fully using cash funds to cashless systems through the implementation of digital payments such as Government Credit Cards (KKP) and Cash Management System Virtual Accounts (CMS VA).

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Mithila, G., and K. Lingesiya. "Impact of Non-Cash Payments on the Economic Growth of Sri Lanka." International Journal of Contemporary Business Research 3, no. 2 (2025): 1–23. https://doi.org/10.4038/ijcbr.v3i2.11.

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There has been extensive discourse on the topic of cashless payments, and their global adoption has witnessed exponential growth in recent years. Cash transactions pose certain challenges, notably the impracticality of managing physical currency and the restricted accessibility of financial institutions to withdraw cash. Multiple research studies have affirmed the positive influence of cashless payments on economic growth, thus highlighting their crucial significance. The present study aims to examine the effects of cashless payments on the economy of Sri Lanka. In particular, the investigatio

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Asst., Prof. Candida Allan Gomes. "Emerging Trend in Digital Payment and Its Impact." International Journal of Advance and Applied Research 4, no. 5 (2023): 35–42. https://doi.org/10.5281/zenodo.7740319.

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This research project about the emerging trend in digital payment and its impact. This research project also tries to understand if there are any specific variables that persuade people to opt for digital payment system.  The project needs to survey a group of people from various age group to either approve or disprove of the stated hypotheses and give appropriate suggestions based on the findings thus obtained. It covers numerous variables like safety, convenience, incentives offered, financial literacy, internet connection among other factors.  It has also tried to list the importa

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Hidayah, Nurul, Akmal Ridwan, Nugroho Dwi Prihandoko, and Nurhani Nurhani. "Factors Affecting MSMEs in Using QRIS and Electronic Data Capture (EDC) as a Cashless Payment Method: Evidence from Sorong City, Southwest Papua." International Journal of Business Studies 7, no. 3 (2023): 157–68. http://dx.doi.org/10.32924/ijbs.v7i3.309.

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Rapid progress has been made in the development of cashless payment systems. As can be seen from the positive level of public acceptance of this payment method development standard, moreover this trend has become necessary for rural communities. QRIS and debit card payment via EDC are the non-cash methods that MSMEs players in Sorong city utilize the most frequently. Sorong city is quite developed province of Southwest Papua Indonesia, which is well regarded as a commercial and industrial hub. According to reports as of January 2022, the use of QRIS by merchants in the Sorong city itself has n

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Bublyk, Yevhen, Yuliia Shapoval, Oleksii Shpanel-Yukhta, and Svitlana Brus. "Effect of financial access on cashless economy: The case of Ukraine." Banks and Bank Systems 18, no. 1 (2023): 91–102. http://dx.doi.org/10.21511/bbs.18(1).2023.08.

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The pandemic and wartime in Ukraine confirmed the importance of cashless payments for financial stability. The purpose of the paper is to examine the effect of technological infrastructure and financial access factors on cashless economy development. The impact of the infrastructure factor is assessed in case of Ukraine, using NBU’s data on payment infrastructure during 2001–2022. The hypothesis of the boosting effect of financial access towards a cashless economy has been tested using the method of correlation between M0/M3 and different indicators of financial access (usage of essential tech

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Salsa Filiya, Dwi Eko, Dian Prawitasari, and Rudi Kurniawan. "Gen Z’s Intention to Use QRIS in Semarang: The Moderating Role of Financial Literacy." International Journal of Economics and Management Research 4, no. 2 (2025): 633–45. https://doi.org/10.55606/ijemr.v4i2.440.

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This study aims to analyze the influence of lifestyle compatibility, hedonic motivation, and perceived ease of use on the intention to use cashless payment systems, with financial literacy as a moderating variable among Generation Z university students in Semarang, Indonesia. A quantitative approach was employed using Structural Equation Modeling (SEM) with SmartPLS 3.0 software and purposive sampling involving 200 respondents. The findings reveal that lifestyle compatibility and perceived ease of use have a positive and significant effect on the intention to use cashless payments, while hedon

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Maixé-Altés, Carles, and Estefanía Mourelle. "Toward a cashless society. Cash and non-cash payments in Spain, 1989-2014." Panoeconomicus, no. 00 (2023): 4. http://dx.doi.org/10.2298/pan180213004m.

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This work investigates the relationships between the retail payment system, monetary aggregates and economic activity in Spain from a long-run perspective. This approach is considered from the perspective of the transformations favored by ICT in the payment system, which incorporates increasingly more and more cashless instruments. The methodology used is based on cointegration analysis and error correction models. Likewise, a new indicator of some trends in the implementation of cashless transactions in payment systems is proposed; this measure has been applied to Spain and other European cou

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