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Journal articles on the topic 'Cashless Transaction'

Author: Grafiati

Published: 3 June 2025

Last updated: 31 July 2025

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1

Zafani, Dita, and Moh Musfiq Arifqi. "Cahsless Society on GoPay: An Islamic Economic Perspective." Journal of Islamic Economic Laws 3, no. 2 (2020): 141–58. http://dx.doi.org/10.23917/jisel.v3i2.11904.

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Technological developments have led to massive Cashless Society activities among the public, especially in GoPay transactions. Indonesian people, who are predominantly Muslim, have started to shift their payment system from cash to cashless transactions. Therefore, the study of Islamic economics is important to see this phenomenon. The qualitative-descriptive research methodology was used by researchers to examine this research. A standard general procedure of library research is done to obtain data from several scientific papers in the form of books, magazines, journals, articles, documentati

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Marlina, Lina, Ahmad Mundzir, and Herda Pratama. "CASHLESS DAN CARDLESS SEBAGAI PERILAKU TRANSAKSI DI ERA DIGITAL: SUATU TINJAUAN TEORETIS DAN EMPIRIS." Jurnal Co Management 3, no. 2 (2021): 533–42. http://dx.doi.org/10.32670/comanagement.v3i2.424.

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Kajian ini bertujuan untuk memahami cashless dan cardless transaction sebagai perilaku bisnis baru industri 4.0 yang didukung dengan cashless society 5.0. Hingga saat ini kompetensi digital, demografi, dan inftrastruktur di Indonesia dalam menerapkan cashless dan cardless ekonomi belum optimal. Studi ini menggunakan pendekatan deskriptif-kualitatif dengan metode studi literatur. Tujuan penelitian untuk mengetahui perkembangan perilaku transaksi cashles dan cardless di Indonesia dan kesiapan Indonesia menjadi cashless dan cardless country. Hasil analisis menyatakan bahwa perilaku cashless dan c

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Sharma, Ashwani, and Himanshu Agarwal. "Merchandiser Perception of Cashless Transaction: A Case Study of District Meerut of Uttar Pradesh State In India." Research Journal of Philosophy & Social Sciences 44, no. 3 (2019): 1–13. https://doi.org/10.5281/zenodo.5816446.

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

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B., Nazifi, Garba M.G., and Ibrahim M. "Cashless Transactions Socioeconomic Determinants and Its Effectiveness in Livestock Marketing Activities among Livestock Marketers in Katsina State, Nigeria." Research Journal of Agricultural Economics and Development 2, no. 1 (2023): 49–60. http://dx.doi.org/10.52589/rjaed-mzso5qrh.

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The study analyzed cashless transactions socio-economic determinants and its effectiveness in livestock marketing activities among livestock marketers in Katsina State, Nigeria. Multi-stage sampling procedure was deployed to select and interview 366 livestock marketers. Descriptive statistics, likert scale and binary logistic regression model were used to analyze data collected. Majority (76.5%) of the livestock marketers were found to be engaged in cashless transactions. The livestock marketing in the study area is predominantly by male (100%) and married (96.45%) marketers of which most of t

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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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Chougule, Prakash S., Tejaswi S. Kurane, Suresh T. Salunkhe, and Puja A. Pawar. "A Study of Impact of Cashless Transaction on Society Using Statistical Methods." International Journal of Innovative Science and Research Technology 5, no. 7 (2020): 300–305. http://dx.doi.org/10.38124/ijisrt20jul233.

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A cashless society describes an economic state whereby financial transaction are not conduced with money in the form of physical banknotes or coins but rather though the transfer of digital information (usually an electronic representation of money) between the transacting parties. Cashless society have existed based on barter and other methods of exchange, and cashless transactions have also become possible using digital currencies such as bit coins. Cashless India is a mission launched by the government of India led by prime minister Narendramodi to reduce dependency of Indian economy on cas

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Vidhyavathi, A., S. Padma Rani, and S. Baliji. "Adoption of Cashless Transaction by the Farming Households in Coimbatore District of Tamil Nadu, India." Asian Journal of Agricultural Extension, Economics & Sociology 41, no. 12 (2023): 75–83. http://dx.doi.org/10.9734/ajaees/2023/v41i122306.

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Aims: The research study aims to study the level of adoption and factors influencing the adoption of cashless transaction by the farming households in farming and non-farm activities. Study Design and Methodology: A development index for Tamil Nadu districts, prioritizing e-infrastructure, was crafted from secondary data on agriculture, health, infrastructure, and telecommunication. Coimbatore, with a high development index, was selected using a three-stage stratified random sampling approach involving 120 households. Utilizing tools like the development index, econometric models, scorin

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Prof., Michael C. Nwafor. "An Appraisal of Cashless Policy in Nigeria." COLMASS JOURNAL 9, no. 2 (2025): 77–92. https://doi.org/10.5281/zenodo.14718793.

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This study evaluates the cashless policy in Nigeria, focusing on two key objectives: assessing the extentof electronic card transaction usage and determining the impact of the policy on cash transactions. Thepopulation studied includes all electronic and cash transactions from 2005 to 2014. Using a deliberatenon-random sampling method, the research relies on secondary data sourced from the 2014 CentralBank of Nigeria (CBN) Statistical Bulletin. Time series data on electronic transactions were analysedusing Excel tables and charts. The findings reveal a moderate positive correlation between ATM

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Titalessy, Pisi Bethania. "Cashless Payments and its Impact on Inflation." Advances in Social Sciences Research Journal 7, no. 9 (2020): 524–32. http://dx.doi.org/10.14738/assrj.79.9074.

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Payment with a non-cash system can simplify transactions and are increasingly used. The advantages of non-cash payments are not only due to convenience, speed up transaction time, and time savings but also the benefits that can reduce the circulation of money in the community. The less the amount of physical money in circulation, it will indirectly affect the inflation rate. However, there are inconsistency of research results regarding the relationship of non-cash transactions and inflation. These issues constitute a research gap on cashless payments and inflation in Indonesia. This study aim

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Olukotun, Olukorede, Oladejo Lukman Golagade, and Ahmadu Abubakar. "Cashless Policy and Patronage in Stanbic IBTC Bank Plc, Katsina-Nigeria." Journal of Business & Management 1, no. 3 (2023): 225–43. http://dx.doi.org/10.47747/jbm.v1i3.1218.

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Existing empirical literature on cashless banking is one that is quite scanty in the developing countries including Nigeria. Reviews of empirical studies on cashless policy indicate that a lot of prior studies focused on the adoption, prospects and benefits and challenges of cashless policy. This study on the other hand is aimed at investigating the effect of cashless policy on patronage using responses obtained from 410 customers of Stanbic IBTC Plc branch domiciled at Katsina town-Nigeria. To achieve the stated objective, authors used descriptive statistics and multiple regression techniques

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Namdev, Dr. Sasane Ashok. "Cashless Transaction Is Most Popular." International Journal of Advance and Applied Research 5, no. 23 (2024): 365–68. https://doi.org/10.5281/zenodo.13622845.

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Abstract -:In banking technology banks have the opportunity to develop customized products and services to meet future expectations. Information technology is one of the most important facilitators of advantages for bank and its client. Information Technology is one of its transaction processing’s well as other internal systems and processes. They are faster remittance facilities; include automatic tellers machines, telephone banking, home banking, credit cards facility, personal loans, including car loans, housing loans, and internet banking. The various technological platforms used by

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Wulandari, Ayu, Lisa Kustina, and Preatmi Nurastuti. "ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI CASHLESS SOCIETY." Jurnal Investasi 9, no. 2 (2023): 101–7. http://dx.doi.org/10.31943/investasi.v9i2.271.

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This research is motivated by the increasingly widespread use of electronic money as payment transactions in order to reduce the use of paper money to create a cashless society. This type of research is quantitative research with secondary data in the form of time series which includes electronic money transaction data, electronic money circulating data, means of payment by card, and electronic money infrastructure data obtained from Bank Indonesia's official website for 2018-2022. The results of the study show that electronic money transactions have an effect on a cashless society, elec

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Shinde, Shashank, Shantanu Ade, Akanksha Bhutkar, and Dr V. S. Gulhane. "Cashless Transaction In Campus Using RFID." International Journal of Ingenious Research, Invention and Development (IJIRID) 3, no. 2 (2024): 119–26. https://doi.org/10.5281/zenodo.11066231.

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<em>In recent years, the integration of technology into various aspects of daily life has transformed the way we interact with the world around us. One area that has witnessed significant innovation is the realm of financial transactions. With the advent of digital payment systems, the traditional reliance on cash is gradually being replaced by more efficient and secure alternatives. This paper presents a comprehensive review of the implementation of a cashless transaction system on university campuses utilizing Radio-Frequency Identification (RFID) technology. The aim is to provide an overvie

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Eka Muttasari, Wahyu Fitri, and Fitri Lukiastuti. "PENGARUH LITERASI KEUANGAN DAN GAYA HIDUP TERHADAP CASHLESS TRANSACTION BEHAVIOR (STUDI PADA KARYAWAN SEKRETARIAT DAERAH KABUPATEN BLORA)." Magisma: Jurnal Ilmiah Ekonomi dan Bisnis 8, no. 2 (2020): 25–31. http://dx.doi.org/10.35829/magisma.v8i2.93.

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The purpose of this study is to analyze the effect of financial literacy on cashless transaction behavior mediated by lifestyles on the employees of the Blora Regency Regional Secretariat. The population as well as the sample in this study amounted to 112 Civil Servants (PNS) Blora Regency Secretariat. Data were analyzed using the Partial Least Square (PLS) method and using the SmartPLS 3 tool. The sampling method is the saturated or census sampling method. Data collected by questionnaire. The results of this study are financial literacy has a significant positive effect on lifestyle variables

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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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M., Venkatramanan. "The Impact of Cashless Transaction on the Economic Growth of the India." RESEARCH REVIEW International Journal of Multidisciplinary 3, no. 12 (2018): 660–62. https://doi.org/10.5281/zenodo.2527052.

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Cashless economy is economies where the maximum transactions are do without using the physical cash or the means of hard cash. It is the economy where economic transactions are done with the facilities like credit card, debit cards and on line transactions by means of fund transfer and using e-wallets. The new policy of demonetization and the stress of the government on cashless transaction is a clear message towards the good economic growth in the country. The demonetization policy has increased the use of online banking services, cheque and e- wallets. It has not only reduced the threat of t

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

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

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Buenafe, Andrei, Job Elijeah Feliciano, John Josue Meguiso, Mark Vince Ivan Torre, Sophia Olaso, and Rowena Lunar. "Customer experience on cashless payment transactions in selected 3- star hotels in the City of Manila." Journal of Hospitality, Tourism & Cultural Research 1, no. 1 (2025): 20–38. https://doi.org/10.53378/jhtcr.353173.

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This research paper analyzes the importance of cashless payment transactions in selected 3-star hotels in the City of Manila, Philippines. Specifically, the study aimed to assess significant difference in the hotel guests’ frequent use of cashless payment based on their demographics, and their most used form of cashless payment. This paper also shows the considerations the guests have encountered as they use this mode of payment. Using correlational analysis, the study adapted the survey method administered to 300 hotel guests using QR code. The study used simple random sampling in the selecti

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Ayustri Alni, Verina. "Financial Markets And Regulation Of Cashless Implementation." Tawazuna 2, no. 2 (2023): 1–3. http://dx.doi.org/10.35747/twz.v2i2.665.

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Digital payment is one of the electronic transactions issued by the government to facilitate public payments during transactions and minimize the circulation of counterfeit money, money theft or robbery. The use of a cashless system is very beneficial for the monetary sector in Indonesia. When the use of cashless transactions increases, it will reduce transaction costs and money exchange will be easier and faster to do, which will have a good impact on Indonesia's output and economic growth. Therefore, if the community is more supportive of the use of a cashless system issued by the government

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Suvittawat, Adisak. "Consumers’ Attitude Towards Useability of Cashless Transactions in the Thai Nakhon Ratchasima Province : A Structural Equation Modeling Approach." European Conference on Research Methodology for Business and Management Studies 22, no. 1 (2023): 192–200. http://dx.doi.org/10.34190/ecrm.22.1.1532.

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The rapid adoption of new financial technology affects consumers’ attitudes toward cashless transactions and helps entrepreneurs understand how consumers’ behavioral changes are significant. This research investigates the variables that influence consumers’ attitudes toward cashless transactions. The questionnaire was a research tool, and the sampling method was a non-probability sampling technique. Two hundred participants with experience and knowledge about cashless transactions were considered the research sample. The questionnaires were used face-to-face, and the researchers explained the

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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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Yusuf Argiansyah, Hikmal, and Ali Imran Nasution. "Electronification Financial Transactions for Business Operator: Legal Protection for Consumers Experienced Rejection in Cash Transaction." Law Development Journal 7, no. 2 (2025): 212. https://doi.org/10.30659/ldj.7.2.212-229.

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The National Non-Cash Movement (GNNT) by Bank Indonesia has brought changes in the implementation of transaction methods that prioritize digital transaction. Therefore, some business operator on payment methods that only accept non-cash transactions (cashless-only) in their business. However, it is actually caused problems in society, especially people who prefer cash transaction methods and people who do not have access to digital payments. Research conducted using the juridical-normative method uses the statue approach and case approach in conducting research. Research shows that the impleme

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Gede Sayang Adi Yadnya, I. Dewa. "Effect Of Perception Of Usability And Perception Of Ease Of Use Of Digital Payment On The Performance Of Cashless Society Programs In The Management Of State Finances." Journal of World Science 1, no. 5 (2022): 300–307. http://dx.doi.org/10.36418/jws.v1i5.41.

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This study aims to understand the effect of perceptions of usability and perceptions of ease of use of digital payment on the performance of the Cashless Society program in the financial management of the transaction state as a new 4.0 business behavior that is supported by Cashless Society 5.0. Until now, digital competencies, demographics, and infrastructure in Indonesia in implementing cashless economies are not optimal. This study uses a descriptive-qualitative approach with the literature study method. The purpose of the study to determine the development of the Cashless Society transacti

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Gede Sayang Adi Yadnya, I. Dewa. "Effect Of Perception Of Usability And Perception Of Ease Of Use Of Digital Payment On The Performance Of Cashless Society Programs In The Management Of State Finances." Journal of World Science 1, no. 5 (2022): 300–307. http://dx.doi.org/10.58344/jws.v1i5.41.

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This study aims to understand the effect of perceptions of usability and perceptions of ease of use of digital payment on the performance of the Cashless Society program in the financial management of the transaction state as a new 4.0 business behavior that is supported by Cashless Society 5.0. Until now, digital competencies, demographics, and infrastructure in Indonesia in implementing cashless economies are not optimal. This study uses a descriptive-qualitative approach with the literature study method. The purpose of the study to determine the development of the Cashless Society transacti

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M., Mohana Priya, and Mrs. Tamilarasi Mailachalam Dr. "Petty Shopkeepers Opinion about Cashless India - A Study with Special Reference to Chennai City." Shanlax International Journal of Arts, Science and Humanities 1, S1 (2019): 6–9. https://doi.org/10.5281/zenodo.3371255.

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India aims to limit cash circulation and cash transaction which was intend to came out in the form of demonetization. The intention behind demonetization is focusing on eradicating corruption and makes each transaction accountable. The cash circulation was controlled to a larger extended and focused to bring digital payments. The shortage of bank notes during demonetization leads to start using digital wallets. Digital users easily adopted the technological banking and shift their transactions made through online. India grows very fast in making payments and made transactions digitally. The ma

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

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

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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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Balaram, Kasana. "India's Progress towards Cashless Economy: Recent Trends and Challenges." European Journal of Advances in Engineering and Technology 10, no. 11s (2023): 23–31. https://doi.org/10.5281/zenodo.10638496.

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<strong>ABSTRACT</strong> The Reserve Bank of India has implemented several cashless transaction or payment systems from time to time to check corruption, black money and money laundering in the country. Which includes paper-based instruments like cheque, demand draft etc. and online payment settlement systems like ECS Credit, RECS, ECS Debit, EFT, NEFT, RTGS etc. After the achievements made by India in the field of information technology after 2000, internet based online transactions have been started by mobile banking, ATM or point of sale machines, UPI etc. The number of paper based transac

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Kurniati, Paramita Nur, and Bernardus Yuliarto Nugroho. "CASHLESS GOVERNMENT: A CORRUPTION PREVENTION STRATEGY IN GOVERNMENT AGENCIES." Asia Pacific Fraud Journal 5, no. 2 (2020): 171. http://dx.doi.org/10.21532/apfjournal.v5i2.154.

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The phenomenon of corruption cases continues to increase from year to year, both from the number of cases that occur and the amount of state financial losses incurred. The criminal acts of corruption committed are also increasingly systematic and massive in all aspects of society's lives. To respond to this phenomenon, the Government, in this case the Ministry of Finance, issued a "breakthrough" in the system of government expenditure transactions, by issuing cashless government system with modern payment instruments. The cashless payment system is expected to close the potential gaps of corru

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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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Patrick, OLOGBENLA (PhD). "Cashless Payment System on Financial Inclusion in Nigeria." INTERNATIONAL JOURNAL OF MULTIDISCIPLINARY RESEARCH AND ANALYSIS 06, no. 10 (2023): 4771–81. https://doi.org/10.5281/zenodo.10245532.

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The study investigates the effect of cashless payment system on financial inclusion in Nigeria. Secondary data from year 2010 till 2023 on variables of interest were collected and were analysed using quantitative analysis. Volume of point-of-sale systems in the banks, Volume of Web-Based Transactions in the banking industry, Number of ATM Machines available, number of account holders, rate of usage of bank account all these were used as the independent variables while financial inclusion which was proxied by the number of commercial banks branches in rural area and the total number of commerci

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K, MR VIJAY. "CASHLESS SOCIETY MANAGING PRIVACY AND SECURITY IN TECHNOLOGICAL AGE." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 08, no. 05 (2024): 1–5. http://dx.doi.org/10.55041/ijsrem34634.

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A cashless society is an economic state which handles financial transactions not in the form of traditional mediums of currency, such as cash or coins, but by transferring digital data (usually by electronic means, such as credit cards and mobile data) between participating parties. Participants of a cashless society must Figure out a way to protect their transaction data, acknowledging the risks of organizations collecting mass amounts of said data, which result in a reduction of personal privacy. Balancing individual privacy with data security is vital in the information age, especially cons

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Dr., B. Surender, and D. Sreeramulu Prof. "A Study on Impact of Digital Payments of Retail Stores in Hyderabad City." Empirical Economics Letters 23, Special Issue 3 (2024): 167–77. https://doi.org/10.5281/zenodo.13922473.

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The purpose of this research study is to examine how is in Telangana state City’s retail management is affected by cashless transaction technologies. The study used an exploratory methodology to offer insightful information about the ways in which different kinds of retail enterprises have been impacted by the adoption of systems for cashless transactions. The study's conclusions, derived from 100 shops in Hyderabad City, show that cashless transaction systems have a favorable effect on retail management. Along with notable cost reductions, the merchants have noted increased operational

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Eko, Ewa, Uket, Adesola, Wasiu Adebisi, and Essien, Etim Ndu. "Critical Review of Cashless Policy Implementation in Nigeria." International Journal of Scientific and Management Research 08, no. 03 (2025): 61–76. https://doi.org/10.37502/ijsmr.2025.8305.

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The cashless policy initiative was to accomplish two main macro-socio-economic policy objectives of increased convenience and greater financial inclusion in Nigeria. The study which carried out a critical review of the Cashless policy implementation in Nigeria arose as a result of the state of the economy, cash payment transactions, level of corruption and illegality in the Nigerian State. The conceptual review of the various studies on electronic banking covering ATM, mPoS, PoS, web-based banking was carried out alongside the primary objective of the CBN Cashless policy when it was inaugurate

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Hastomo, Arnoldus Dillon, and Muhammad Aras. "Influence of Cashless Society Socialization toward Trust Transaction Culture in Jakarta, Indonesia." Humaniora 9, no. 1 (2018): 1. http://dx.doi.org/10.21512/humaniora.v9i1.4174.

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The research methods were using a quantitative approach with survey methods based on communication theories that made this an objective and in-depth study of the fact-data found in the field. Data analysis with the statistics program then entered into an interpretation of the meaning that connected between indicators in variable X namely Cashless Society Socialization and variable Y namely Trust Transaction Culture. The research results show that the socialization through repressive ways that have been considered not popular in the community turns out to have a strong effect on the culture of

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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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Setiawan, Zeffri, Rosidi, and Lilik Purwanti. "Non-Cash Transaction Policy: The Steps for Cashless Management in Central Java Province." International Journal of Accounting and Business Society 30, no. 1 (2022): 93–105. http://dx.doi.org/10.21776/ijabs.2022.30.1.541.

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Purpose - This study aims to understand the implementation steps of the non-cash transaction policy in the Central Java Provincial Government, with Edward III's (1980) "Policy Implementation Theory" as a tool for analyzing the supporting and inhibiting factors of implementation. Design/methodology/approach—This research uses a qualitative approach. Data was collected through in-depth interviews and document collection regarding the application of non-cash transactions. The informants in this study involved 2 participants from the Regional Financial and Asset Management Agency of Central Java P

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Bandyopadhyay, Samir Kuma. "Detection of Fraud Transactions Using Recurrent Neural Network during COVID-19." Journal of Advanced Research in Medical Science & Technology 07, no. 03 (2020): 16–21. http://dx.doi.org/10.24321/2394.6539.202012.

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Online transactions are becoming more popular in present situation where the globe is facing an unknown disease COVID-19. Now authorities of several countries have requested people to use cashless transaction as far as possible. Practically, it is not always possible to use it in all transactions. Since number of such cashless transactions has been increasing during lockdown period due to COVID-19, fraudulent transactions are also increasing in a rapid way. Fraud can be analysed by viewing a series of customer transactions data that was done in his/ her previous transactions. Normally banks or

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Miss., Amita S. Sannaki, and S. R. Ganesh Dr. "A Study on Implications of Cashless Transactions on Indian Economy." International Journal of Advance and Applied Research 4, no. 17 (2023): 121–27. https://doi.org/10.5281/zenodo.7936749.

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The cashless economy which requires great transformation as to change the existing cash based economy most of us are made it as our lifestyle a sudden change in cash related transaction creates so many troubles, A termination of paper money would facilitate governments to implement a full control over the banking system. This paper focuses on the  methods and Implications of cashless transactions on Indian Economy. The research methodology used in this paper is descriptive statistics and the data collected is from secondary sources. The research reveals that the usage and value of digital

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Miss., Amita S. Sannaki, and S. R. Ganesh Dr. ""A Study on the implications of Cashless Transactions on Indian Economy"." International Journal of Advance and Applied Research 4, no. 20 (2023): 22–27. https://doi.org/10.5281/zenodo.8035764.

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The cashless economy which requires great transformation as to change the existing cash based economy most of us are made it as our lifestyle a sudden change in cash related transaction creates so many troubles, A termination of paper money would facilitate governments to implement a full control over the banking system. This paper focuses on the  methods and Implications of cashless transactions on Indian Economy. The research methodology used in this paper is descriptive statistics and the data collected is from secondary sources. The research reveals that the usage and value of digital

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Abiba, Riska Widya, and Rachma Indrarini. "Pengaruh Penggunaan Uang Elektronik (E-Money) Berbasis Server Sebagai Alat Transaksi terhadap Penciptaan Gerakan Less Cash Society Pada Generasi Milenial di Surabaya." Jurnal Ekonomika dan Bisnis Islam 4, no. 1 (2021): 196–206. http://dx.doi.org/10.26740/jekobi.v4n1.p196-206.

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The increasing development of financial technology has led to change in the payment instrument in society, for example, the use of cash to electronic money (e-money) in a daily transaction. One of the users of e-money is Millenials. Millennials are the main actor of technological sophistication in which they will be treated to various convenience and practicality in making a transaction in their economic activity. Therefore, it is possible to increase the use of e-money in a transaction. If there is an increment in the use of e-money, it can indicate the new creation of a social phenomenon in

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PRAWIRA, Mega Fitriani Adiwarna, Eko SUSANTO, Andar Danova Lastaripar GOELTOM, and Chairul FURQON. "Developing Cashless Tourism from a Tourist Perspective: The Role of TAM and AMO Theory." Journal of Environmental Management and Tourism 13, no. 8 (2022): 2104. http://dx.doi.org/10.14505/jemt.v13.8(64).03.

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Cashless tourism has become the future of the global tourism industry which is defined as a condition of financial transaction activities for the benefit of tourism that is carried out in a non-cash manner. This condition is motivated by changes in payment technology constantly migrating from conventional to digital models. The creation of increasingly diverse cashless payment channels and internal access has become a catalyst for changes in financial transactions in tourism. This study seeks to uncover factors that influence the internalization of cashless tourism by combining AMO (Abilities,

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Meirezaldi, Onni, and Safarudin Hisyam Tualeka. "DRIVING FACTORS FOR USING QR CODES AND DIGITAL WALLETS IN BLITAR." Media Bina Ilmiah 18, no. 6 (2024): 1641–48. http://dx.doi.org/10.33758/mbi.v18i6.497.

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This study examines the significance of perceived ease of use and usefulness in driving the intention to use cashless transactions through QR codes and digital wallets in Blitar, a small city in East Java Province, with most informal workers lacking access to traditional banking services. Thru 220 respondents completing 22 research questionnaires, the findings indicate that perceived ease of use and usefulness positively and significantly affect the intention to use cashless transactions. However, the direct effect of perceived ease of use did not show statistical significance. These insights

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Tripathi, Shivam, and Nirali Dave. "CASHLESS TRANSACTIONS THROUGH E-COMMERCE PLATFORMS IN POST-COVID-19." International Journal of Management, Public Policy and Research 1, no. 2 (2022): 12–23. http://dx.doi.org/10.55829/010203.

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Payments are made or received without the use of hard cash in cashless transactions. Going cashless eases life with authentication and formalized transactions. The convenience of making a financial transaction is likely the most compelling reason to go digital. Cashless transactions include payments made through cheque, DD, online transfer via RTGS or NEFT, credit/debit card, E-wallets, mobile wallets, UPI Apps, Gift cards, etc. One won’t need to carry a large amount of cash and not wait in big lines for withdrawals, it’s also a safer and more convenient way to spend. In India October 2016 Mas

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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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Ukpong, Edidiong Effiong, Ekong E. Daniel, Utibeabasi Ubong Ekpe, Iniobong Friday Akpan, and ThankGod Sabbath Etim. "Cashless Policy and the Growth of Small and Medium Scale Businesses in Uyo Capital City, Akwa Ibom State, Nigeria (2022-2023)." AKSU Journal of Administration and Corporate Governance 4, no. 4 (2024): 114–24. https://doi.org/10.61090/aksujacog.2024.066.

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The paper examined the impact of the cashless policy on the growth of small and medium-scale businesses in Uyo Metropolis between 2022 and 2023. The diffusion of innovation theory was adopted as the theoretical framework for the study. The study used both qualitative and quantitative methods of data collection. A survey research design was adopted for the study. The data collected from secondary and primary sources were analyzed using descriptive and quantitative techniques. The Pearson’s Moment Correlation Statistical Technique was used to test hypotheses. The findings of the study revealed t

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Sitanggang, Maria Septiani, and Farah Wulandari Pangestuty. "PENGARUH CASHLESS PAYMENT TERHADAP PERTUMBUHAN EKONOMI: STUDI KOMPARASI NEGARA MAJU DAN BERKEMBANG ANGGOTA G20." Contemporary Studies in Economic, Finance and Banking 3, no. 3 (2024): 609–23. http://dx.doi.org/10.21776/csefb.2024.03.3.06.

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The purpose of this study is to analyze the impact of cashless payments on economic growth in G20 countries. Additionally, a comparison of the impact of cashless payments in developed and developing countries is also analyzed. In this study, economic growth is used as the dependent variable, and transaction amounts of debit cards, credit cards, and electronic money are used as the independent variables. Data were collected from various databases for the period 2013-2021 covering a total of 19 countries divided into 10 developed countries and 9 developing countries that are members of the G20.

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Chilukuri, Sri Sai, V. V. Madhav, and G. Sunitha. "Sustainable growth towards achieving a cashless ecosystem and a surge in volume of digital payment users." Asian Economic and Financial Review 15, no. 1 (2025): 111–30. https://doi.org/10.55493/5002.v15i1.5286.

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Though computerization began in the 1980s, the effect of demonetization in 2016, coupled with COVID-19 digital stimulation, was a revolutionary move in digital innovation and transformation into a cashless ecosystem. Traditional banks and digital enablers embraced digital technologies to keep up with the dynamism in the payment landscape. The Government of India envisioned a “faceless, paperless, cashless” economy through effective implementation of the Digital India flagship program. A study on cashless payment and EU nations’ economic growth advocated the effects of adopting the cashless pay

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De, Ayanava. "CASHLESS TRANSACTION: A BOON OR CURSE TO AN AVERAGE INDIAN CITIZEN." International Journal of Engineering Applied Sciences and Technology 6, no. 11 (2022): 230–33. http://dx.doi.org/10.33564/ijeast.2022.v06i11.043.

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- In India, the usage of the internet and mobile phones has increased dramatically during the previous decade. The COVID-19 pandemic practically taught us that traditional form of cash basis transaction was of no use and we need to change and adapt to a new form of transaction system, without the use of cash. The increased usage of the internet, cell phone penetration, and government initiatives such as Digital India are serving as catalysts, resulting in an exponential increase in the use of digital payment. Digital payment refers to consumer transactions done at point of sale (POS) for servi

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De, Ayanava. "CASHLESS TRANSACTION: A BOON OR CURSE TO AN AVERAGE INDIAN CITIZEN." International Journal of Engineering Applied Sciences and Technology 6, no. 11 (2022): 230–33. http://dx.doi.org/10.33564/ijeast.2022.v06i11.043.

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- In India, the usage of the internet and mobile phones has increased dramatically during the previous decade. The COVID-19 pandemic practically taught us that traditional form of cash basis transaction was of no use and we need to change and adapt to a new form of transaction system, without the use of cash. The increased usage of the internet, cell phone penetration, and government initiatives such as Digital India are serving as catalysts, resulting in an exponential increase in the use of digital payment. Digital payment refers to consumer transactions done at point of sale (POS) for servi

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