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Journal articles on the topic 'Cashless payment'

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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Dinh, Van Son, Hoang Viet Nguyen, and The Ninh Nguyen. "Cash or cashless?" Strategic Direction 34, no. 1 (2018): 1–4. http://dx.doi.org/10.1108/sd-08-2017-0126.

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Purpose This paper aims to investigate the factors which influence consumer adoption of mobile payments. It also proposes strategic initiatives including integrated marketing communications to enhance and promote consumer adoption of such a mode of payments. Design/methodology/approach This paper focuses on the case of an emerging economy, Vietnam. Findings The key motivators of using mobile payment services include perceived usefulness, convenience, promotional offers, and social approval. In contrast, major barriers to consumer adoption of this mode of payment are lack of trust, limited oppo

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Tanha, Moutusi, Md Mohibul Alam Dolon, Al-Amin Al-Amin, Nusrat Afrin Nadi, Md Monirul Islam, and Md Hazrat Ali. "Factors influencing the development of the cashless payment system: Comprehending the function of the involved participants." Annals of Management and Organization Research 5, no. 4 (2024): 255–70. http://dx.doi.org/10.35912/amor.v5i4.1959.

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Purpose: The prevalence of cashless payments has increased globally owing to their myriad benefits. Furthermore, the use of cashless payments has also increased. Nevertheless, there is a need for more comprehensive research on the acceptance and current methodologies of cashless transactions. This study aims to gain a thorough understanding by identifying the entities involved and their pivotal functions in the payment ecosystem. Research Methodology: This report seeks to answer two research questions: i) Which factors are involved in the cashless payment ecosystem? What key elements influence

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Ariba, Baarik, Dimas Bagus Wiranatakusuma, and Ilham Hafidhi. "The Influence of The Development of Cashless Payment on The Effectiveness of Payments Among IPIEF Students Batch 2020." Proceedings University of Muhammadiyah Yogyakarta Undergraduate Conference 3, no. 1 (2023): 397–401. https://doi.org/10.18196/umygrace.v3i1.572.

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Cashless payment methods are not new in our country. there are many media and organizational structures or agencies that use cashless transactions. Cashless payment is a payment without the use of cash in the transaction. Knowing that today many have used these transactions, both from the user and operator side, the author is interested in discussing these transactions in everyday life related to the convenience that causes users and organizers to use this transaction. This study discusses the use of cashless payments among students, especially IPIEF 2020 students. The author uses a qualitativ

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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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Fitria, Ulfa. "CASHLESS PAYMENT SEBAGAI INOVASI MANAJEMEN KEUANGAN PENDIDIKAN PONDOK PESANTREN." Jurnal Manajemen Pendidikan Islam Darussalam 6, no. 1 (2024): 41–52. https://doi.org/10.30739/jmpid.v6i1.3009.

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The development of digital technology is entering the era of society 5.0 where humans have a close relationship with technology in their lives. This study aims to determine the mechanism for implementing cashless payments as an innovation in the financial management of the Darussalam Islamic boarding school Blokagung Banyuwangi Tegalsari Banyuwangi. This research uses a qualitative descriptive research method. In this research, the researcher himself is the instrument (human instrument) and there is a supporting instrument in the form of an interview guide grid. Data collection was carried out

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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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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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9

Hendro, Beatrix Katarina,. "Pengaruh Perceived Ease Of Use, Perceived Usefulness & Perceived Risk Terhadap Penggunaan Cashless." Jurnal Paradigma Akuntansi 3, no. 1 (2021): 238. http://dx.doi.org/10.24912/jpa.v3i1.11508.

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The purpose of this study is to 1) determine the effect of perceived ease of use (PEOU) on the interests of sellers or business owners to apply cashlesss payment methods with applications in West Jakarta, 2) b.To find out the effect of perceived usefulness (PU) on the interests of sellers or business owners to apply cashless payment methods with applications in the West Jakarta area, 3) To determine the effect of Perceived Risk (PR) on the interests of sellers or business owners to apply cashless payment methods with applications in the West Jakarta area. The sample in this study were 86 respo

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Yuannisa, Rizka Adlia, Rizka Nasution, and Chuzaimah Batubara. "Pengaruh Panic Buying, Kemudahan Cashless terhadap Perilaku Konsumtif pada Keluarga Muslim di Kota Medan." Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah 6, no. 2 (2023): 2222–42. http://dx.doi.org/10.47467/alkharaj.v6i5.4392.

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  Currently, non-cash payment instruments are increasingly in demand because they make it easier for the public to make them more effective and efficient than using conventional payment instruments. Cashless society is a financial transaction by means of electronic payments in economic activities as a substitute for cash payments. A cashless society has the same goal in carrying out financial transactions using debit, credit or electronic methods that can be accessed via gadgets to make it easier for consumers. We can also feel the development of technology that continues to advanc

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Kusuma, I. Gede Eka Jaya, I. Wayan Tuwi, and Ni Ketut Mareni. "Implementation of Cashless Payments in Mitigating Fraud Payment Risks at W Bali Seminyak Hotel." Indonesian Journal of Applied and Industrial Sciences (ESA) 3, no. 5 (2024): 747–64. http://dx.doi.org/10.55927/esa.v3i5.11276.

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The use of cashless payments in hotels is increasing as technology and consumer preferences change. This study explores the impact of implementing cashless payments in reducing the risk of payment fraud at W Bali Seminyak Hotel. Data on cashless payments over the past two years shows a significant increase in the use of cashless payments, while cash usage has decreased. This study aims to analyze the benefits of cashless payments in improving transaction security and the efficiency of hotel financial management. Through a qualitative approach, this study also explores changes in hotel financia

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Megayani, Nurhayati, Abadi Sanosra, and Tatit Diansari Reskiputri. "Pembayaran Cashless dengan Sistem QR Code dan Perceived Trust terhadap Kepuasan Pengguna Shopeepay." BUDGETING : Journal of Business, Management and Accounting 3, no. 1 (2021): 63–71. http://dx.doi.org/10.31539/budgeting.v3i1.3123.

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This study aims to determine the effect of Cashless payments with the QR Code system, and Percieved Trust on Shopeepay user satisfaction, cashless payments with the QR Code system have a positive and significant effect on user satisfaction, Percieved Trust has a positive and significant effect on user satisfaction. This research method is descriptive qualitative. The data used are secondary and primary data. Survey collection method and questionnaire instrument with Likert scale. The data analysis technique used descriptive analysis, namely multiple linear regression statistical tests using SP

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Muralidhara, S. V. "UPI Challenges and Direction in Fund Management with Special Reference Banking Sector." International Journal for Research in Applied Science and Engineering Technology 9, no. 12 (2021): 1588–93. http://dx.doi.org/10.22214/ijraset.2021.39592.

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Abstract: After demonetization, there was a massive requirement for currency notes, but the government was unable to provide the required quantity of currency notes, and also Indian government wanted to promote cashless transactions. UPI is built over Immediate Payment Service (IMPS) for transferring funds using Virtual Payment Address (a unique ID provided by the bank). Unified Payments Interface is a payment system launched by (NPCI), which is National Payments Corporation of India, and is regulated by the (RBI) Reserve Bank of India, which provides the facility of instant fund transfer betw

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Imramziyeva, M. Ya, N. A. Gumar, and G. K. Zhanibekova. "Analysis of Non-Cash Payments in Kazakhstan and Impact on the Development of Entrepreneurship." Economics: the strategy and practice 17, no. 4 (2022): 16–28. http://dx.doi.org/10.51176/1997-9967-2022-4-16-28.

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The purpose of the study is to cashless payments in the Republic of Kazakhstan and their impact on the development of households and entrepreneurship. Improving cashless payments is closely related to the overall development of technology. The speed, convenience, and security of non-cash payments are growing from year to year. Cashless payment is a relevant and convenient form of payment in the life of every citizen, due to its availability for all legal entities and individuals. This trend is widespread and qualitatively increasing. There is also a trend of rapid penetration of non-cash payme

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Sutrisna, Ramadhina Putri, Ken Mithya Lokeswara, Melly Melly, and Fatik Rahayu. "Modelling the Intention and Adoption of Cashless Payment Methods Among the Young Adults in Indonesia." Manajemen & Bisnis Jurnal 10, no. 1 (2024): 57–65. https://doi.org/10.37303/embeji.v10i1.206.

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Cashless payment is gradually replacing physical currency in almost every financial transaction across the world. Even though cashless payment methods have been available in Malaysia since a decade ago, their usage has remained relatively low in comparison to other countries. This study aims to analyse the elements that affect the Malaysian youthâ€™s adoption intention and actual use of cashless payment by extending the unified theory of acceptance and use of technology (UTAUT) model with two key factors (perceived security [PS] and lifestyle compatibility [LC]). The sampling technique used wa

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Ridwan, Ridwan, Syukriy Abdullah, and Fifi Yusmita. "IMPLEMENTATION OF CASHLESS POLICY STRATEGIES TO MINIMIZE FRAUD IN THE GOVERNMENT SECTOR: SYSTEMIC REVIEW." Jurnal Akuntansi 12, no. 3 (2022): 181–201. http://dx.doi.org/10.33369/jakuntansi.12.3.181-201.

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Cashless financial transactions require information technology to transfer funds for the payment of needs, expenditures, and local government revenues. The potential that causes fraud and corruption can be minimized with non-cash transactions because financial transactions are more transparent. This study aims to identify fraud prevention strategies by implementing a cashless policy. This research was conducted systematically through an article search engine using the keywords "Casslhless" and "Fraud," which was then entered into the Scopus journal search engine based on secondary data in the

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17

Sapna and Kumar Neelabh Dr. "An Exploratory Study On Indian Customer's Satisfaction With Cashless Transactions Through Digital Payments." International Researcher's Journal Volume-XII, ISSUE-4 (2025): 54–67. https://doi.org/10.5281/zenodo.15297598.

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<strong>Abstract:</strong> <em>This paper explores customer satisfaction towards digital payments and understand dependability in cashless transactions.  The main purpose of this study is to find out the customer satisfaction towards cashless transactions with the help of digital payments.  Today technology playing vital role in all segments and even no exception in the banking and trade sectors. Digital payments means, the transfer of value of money from one payment account to another payment account using electronic devices like mobile phones, POS (Point of Sales), internet banking

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Kara-ool, A. L., and A. I. Shmyreva. "Evaluating the development of electronic payment means in Russia." Finance and Credit 26, no. 6 (2020): 1264–82. http://dx.doi.org/10.24891/fc.26.6.1264.

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Subject. The article presents the methodological approach to evaluating the development of electronic means of payment. Objectives. We formulate the methodological approach to evaluating the development of electronic means of payment. Methods. We apply methods of statistical analysis, abstraction, induction, analysis ans synthesis. The methodological and theoretical framework comprises proceedings of the Russian scholars on the theory and practice of cashless payments. Results. The article sets forth the methodological approach to evaluating the development of electronic payment means. We devi

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Larasati Hazrati Havidz, Ikramina, Hernawati W. Retno Wiratih, M. Havidz Aima, Maya Puspita Dewi, and Retnowati Retnowati. "Sosialisasi Inovasi Pembayaran Digital WeChat Pay ke Generasi Z Universitas Esa Unggul dan President University." Jurnal Komunitas : Jurnal Pengabdian kepada Masyarakat 4, no. 1 (2021): 21–27. http://dx.doi.org/10.31334/jks.v4i1.1629.

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Along with the development and innovation of technology information at the international level, one of the transactions payment is from offline to online (cashless payment). The utilization of technology cashless platforms mobile payment, Indonesia, India, the Philippines, Malaysia, and Singapore still shows less than 4%. In Indonesia, there are currently 21 companies (providers) that are engaged in mobile payment with a variety of services provided. Millennial, Generation-Z, tends to have a virtual transaction space that has attracted their interest in using social media as a technology with

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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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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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Pyrih, Svitlana. "Development of payment infrastructure in context growth of cashless settlements in Ukraine." Economic Forum 13, no. 4 (2023): 167–74. https://doi.org/10.62763/cb/4.2023.167.

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The article summarizes the issue of payment infrastructure development in the context of the growth of cashless payments in Ukraine, which is one of the main elements of operations, regarding the transfer of monetary value in exchange for goods/services in non-cash form.The main purpose of the study is to assess the development of the payment infrastructure and the dependence of the growth of non-cash payments on the development of the payment infrastructure. Systematization of literary sources and approaches to problem solving shows that this process requires improvement of modern technologie

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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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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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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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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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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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Karla Arina, Kristi, Elsje Hanna Lintong, Jeifer Juandy Livingstone Rompas, et al. "Use of Cashless Payments in MSMEs in the Pall Beach Tourism Area, Marinsouw Village." Journal of Accounting and Finance Management 5, no. 5 (2024): 1196–205. https://doi.org/10.38035/jafm.v5i5.1203.

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Study This aiming for analyze adoption cashless payment technology by MSMEs in the Village Marinsouw, a area ongoing tourism developing in North Sulawesi. With use method qualitative and approach studies case, research this involving interviews and observations direct with UMKM owners, stakeholders interests, as well as tourists who become user main cashless payment. Data analyzed in a way thematic use device soft Nvivo For identify theme key like adoption technology, challenges, and impact from implementation of cashless payments operational business and satisfaction customers. Research resul

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WULANDARI, Nuri. "Cashless Payment in Tourism. An Application of Technology Acceptance Model." Journal of Environmental Management and Tourism 8, no. 8 (2017): 1550. http://dx.doi.org/10.14505/jemt.v8.8(24).10.

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Technology has given a profound impact on how tourism industry develops in the recent decades. One of the important technology advancement area is cashless payment system. It has been suggested that cashless payment system can enhance tourism experience and provide competitive advantage to market destinations. Currently, governments are actively promoting a cashless society in tourism sector. However, the study of the acceptance of tourists on cashless payment technology in destinations is still rarely found. This study aims to investigate the acceptance of cashless payment using Technology Ac

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Masri, Nadia Al, and Danie Khawaja. "The Impact Of Cashless Payments On Smes’ Financial Performance In Mount Lebanon." IOSR Journal of Economics and Finance 15, no. 5 (2024): 41–47. http://dx.doi.org/10.9790/5933-1505024147.

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Cashless payments are one of the innovations playing a significant role in business strategy. However, in Lebanon, the economic and financial crisis has forced SMEs to primarily use cash as a mode of payment, leading to numerous issues affecting their financial performance. To overcome these challenges, companies are seeking to adopt cashless payments outside the banking sector to better control their finances and adapt to rapid technological advancements. This study aims to examine the impact of cashless payments on the financial performance of SMEs in Mount Lebanon, highlighting the factors

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Jeanette, Y. Bal-iyang. "Factors Influencing Cashless Payment Adoption of Microenterprises in Baguio City." International Journal of Innovative Science and Research Technology (IJISRT) 10, no. 2 (2025): 1905–13. https://doi.org/10.5281/zenodo.14979629.

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This study was conducted to investigate the factors influencing the cashless payment adoption among microenterprises in Baguio City to understand the current status of microenterprises, the level of influence of factors such as Perceived Ease of Use, Perceived Usefulness, and Perceived Trust on adoption decisions, and identifying the challenges faced by these microenterprises. A mixed method approach was used, with quantitative data gathered through surveys while qualitative was applied to thematic analysis. The data analysis included descriptive statistics and the Kruskal-Wallis H Test with D

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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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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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Lissah, Jane, Abdulkadir Kirobo, and Peter Kaaya. "Cashless Payments: Perceived Challenges by Stakeholders in Tanzania Using UTAUT2 Model." FUOYE Journal of Engineering and Technology 9, no. 1 (2024): 70–75. http://dx.doi.org/10.4314/fuoyejet.v9i1.11.

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The establishment of cashless payments has revolutionized financial transactions globally, yet its implementation in developing countries like Tanzania presents a unique series of challenges. This study investigates the challenges associated with cashless payments in Tanzania using UTAUT2 model. The UTAUT2 model determine behavior intention by individual technology consumers. The study employed quantitative research method for data collection by distributing questionnaires. Data analysis was performed using SPSS analytical tool. Findings revealed the most used cashless methods were mobile mone

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Afrizal, Yogi Hady, Syarief Dienan Yahya, and Furqan Zakiyabarsi. "Menelaah Adopsi Konsumen Pada Cashless Payment Pasca Pandemi Sebagai Upaya Menuju Cashless Society." Jurnal Ilmiah Akuntansi Peradaban 9, no. 2 (2023): 313–28. http://dx.doi.org/10.24252/jiap.v9i2.41293.

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Penelitian ini bertujuan untuk mengetahui pola adopsi konsumen pada cashless payment pasca pandemi Covid-19. Metode penelitian ini menggunakan metode kualitatif dengan pendekatan deskriptif. Lokasi penelitian ini berfokus pada dua lokus penelitian yaitu Kota Makassar dan Kota Parepare. Hasil penelitian menunjukkan bahwa pola adopsi user pada cashless payment pasca pandemi yaitu user lebih memilih menggunakan cashless payment karena kepraktisan, efisiensi, transparansi keuangan dan reward yang di peroleh. Saat ini fasilitas cashless payment masih berpusat di tengah kota yang berpengaruh pada ke

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Dinda, Rahma, Mohamad Fany Alfarisy, and Rida Rahim. "Analysis of Cashless Payment Adoption using the Unified Theory of Acceptance and Use of Technology (UTAUT)." Journal of Accounting and Finance Management 5, no. 3 (2024): 508–16. http://dx.doi.org/10.38035/jafm.v5i3.720.

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This study aims to analyze the adoption of cashless payments in West Sumatra using the Unified Theory of Acceptance and Use of Technology (UTAUT) model. The variables studied include Perceived Usefulness, Perceived Ease of Use, Social Influence, Facilitating Conditions, and Lifestyle Compatibility on the Intention to Use and Adoption of Cashless Payments, moderated by gender and level of education. The method used in this research is Structural Equation Modeling (SEM) with SmartPLS 4.0. Data was obtained from questionnaires distributed to 210 respondents in the cities of Padang, Pariaman, Pada

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Fauja, Zalika, Muhammad Lathief Ilhamy Nasution, and Budi Dharma. "THE IMPLEMENTATION OF CASHLESS PAYMENT SYSTEM IN THE MSMES SECTOR IN THE PERSPECTIVE OF ISLAMIC ECONOMICS TO ENCOURAGE THE DEVELOPMENT OF THE DIGITAL ECONOMY (CASE STUDY OF POSBLOC MEDAN CITY)." istinbath 22, no. 1 (2023): 57–74. http://dx.doi.org/10.20414/ijhi.v22i1.580.

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The development of the digital economy presents new, increasingly diverse financial service products. One of them is non-cash payments or cashless payments, which are the latest innovations and are increasingly prevalent in buying and selling payments to MSMEs. This study aims to find out how the Cashless system is implemented in the MSME sector in the city of Medan, then to find out how the Islamic economic perspective is in implementing the Cashless payment system. This study uses a qualitative research method with data collection techniques, namely by observation, interviews, documentation

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Rosidah, Rosidah, and Cory Vidiati. "Cashlees Schools: Smart Solution or New Burden." Profit: Jurnal Manajemen, Bisnis dan Akuntansi 3, no. 4 (2024): 333–53. https://doi.org/10.58192/profit.v3i4.2834.

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This research aims to analyze the Cashless Payment System where cashless payments are available, what are the benefits, challenges and obstacles, the impact it has, implementation and case studies, as well as Recommendations and Best Practices. This research uses the Libery reasech research method or literature study. The results of this research are that cashless payments make transactions very easy, there are many challenges in making these payments, the implementation in the case study is also very effective, especially for Jakarta residents, the impact can also be good or bad in educationa

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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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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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Wong, Teck-Lee, Wee-Yeap Lau, and Tien-Ming Yip. "Cashless Payments and Economic Growth: Evidence from Selected OECD Countries." Journal of Central Banking Theory and Practice 9, s1 (2020): 189–213. http://dx.doi.org/10.2478/jcbtp-2020-0028.

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AbstractThis study investigates the relationship between cashless payments and economic growth in selected OECD countries. Using annual data from 2007 to 2016, our results indicate that: Firstly, cashless payment stimulates economic growth in OECD countries. Specifically, the growth-enhancing effect is found in debit card payment while credit card, e-money and cheque payment have no impact on economic growth; Secondly, the positive relationship between economic growth and debit card payment is robust after controlling for the effect of endogeneity, omitted variable bias and outliers. Based on

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Nor Hazreeni Hamzah, Nur Safwati Ibrahim, Nurul Bariyah Ibrahim, Shamsunarnie Mohamed Zukri, Noor Zafarina Mohd Fauzi, and Nurul Hafizah Azizan. "Multiple Linear Regression in Determining the Influential Factors of Cashless Payment Adoption Among University Students." Journal of Mathematics and Computing Science 9, no. 2 (2023): 159–70. https://doi.org/10.24191/jmcs.v9i2.560.

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The procedure of receiving and making payments has altered as a result of the development of mobile wallets and online payment options. Different sorts of payment methods have emerged as a result of ongoing technological and governmental developments. However, the adoption of cashless transactions in Malaysia was relatively slow due to a lack of awareness and confidence about security concerns. Hence, this study aims to determine the level of Adoption of Cashless Payment among university students. A total of 232 UiTM Cawangan Kelantan, Kampus Kota Bharu (UiTMKB) students were involved in the s

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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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N, Brightness Bill Boy. "The Impact of Cashless Payment Policies on Consumer Behavior at Kesiangan Coffee, Batam City." Jurnal Indonesia Sosial Sains 5, no. 11 (2024): 2867–75. http://dx.doi.org/10.59141/jiss.v5i11.1493.

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This research aims to analyze the effect of cashless payment policy on consumer behavior at Kesiangan Coffee, Batam City. With the increasing use of technology in various aspects of life, especially in the payment sector, it is important to understand how cashless policies affect consumer behavior. This study used a survey method with questionnaires distributed to 100 respondents. Data analysis was conducted using SPSS software, and it included validity, reliability, and linear regression analysis. The results showed that the R-value was 0.128 and the R Square was 0.165, indicating that only 1

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YAREMENKO, Oleh, and Valeriia KORNIVSKA. "POSSIBILITIES FOR HARMONIZATION OF UKRAINE’S PAYMENT SPACE: INSTITUTIONAL ASPECT." Economy of Ukraine 2023, no. 5 (2023): 51–65. http://dx.doi.org/10.15407/economyukr.2023.05.051.

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The peculiarities and contradictions of cashless economy in the institutional interpretation are studied, the world experience of its development is analyzed in the context of the harmonization of cashless economy creation in Ukraine. In order to achieve the set goals, the current state of Ukraine’s digital financial sector development is characterized, the peculiarities of liquidity circulation under martial law are shown, and on this basis it is concluded that, despite the formation of a state-of-the-art payment space in Ukraine, in crisis conditions, a return to archaic payment mechanisms,

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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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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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Chen, Fuzhong, and Guohai Jiang. "The Roles of FinTech with Perceived Mediators in Consumer Financial Satisfaction with Cashless Payments." Mathematics 10, no. 19 (2022): 3531. http://dx.doi.org/10.3390/math10193531.

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The purpose of this paper is to investigate the association between FinTech payments and consumer financial satisfaction with cashless payments using data from the 2017 China Household Finance Survey. This study defines computer payment and mobile terminal payment using a cell phone or pad as payments with FinTech. The results indicate that payments with FinTech are positively associated with financial satisfaction with cashless payments. Furthermore, this result holds in the eastern and central groups of China, but not in the western group, where payments with FinTech are not associated with

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Bernadette, Begino, B. Bien Maricar, M. Carable Trisha, D. Montes Eunice, L. Navalle Elaine, and S. Relucio Keziah. "CASHLESS FUTURE." GPH-International Journal of Business Management 7, no. 12 (2024): 149–69. https://doi.org/10.5281/zenodo.14566987.

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Digital payment methods, including online credit card payments, mobile wallets, electronic cash, and contactless payments, have revolutionized financial transactions in recent years. This study explored the effectiveness of digital wallets in facilitating payments, savings, and investments. A descriptive research approach was employed, utilizing a Google Form survey to collect data on financial behaviors, focusing on using digital wallets for various financial activities. The results revealed that peer-to-peer transfers were frequently used for transactions through digital wallets. Additionall

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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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