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Factors Influencing Sari-Sari Stores in Adopting Electronic Payments at Barangay Bucana, Davao City: A Descriptive Analysis

Author

Listed:
  • Bryan Angelo C. Gesta

    (Carlos P. Garcia Senior High School 109 J. Luna St., Poblacion District, Davao City, Philippines)

  • Lysha Wayne T. Cabulong

    (Carlos P. Garcia Senior High School 109 J. Luna St., Poblacion District, Davao City, Philippines)

  • Jasmine Dela Cruz

    (Carlos P. Garcia Senior High School 109 J. Luna St., Poblacion District, Davao City, Philippines)

  • Shanayahh Kate M. Kaling

    (Carlos P. Garcia Senior High School 109 J. Luna St., Poblacion District, Davao City, Philippines)

  • Jellian Gantes

    (Carlos P. Garcia Senior High School 109 J. Luna St., Poblacion District, Davao City, Philippines)

  • Sunshine B. Ampoloquio

    (Carlos P. Garcia Senior High School 109 J. Luna St., Poblacion District, Davao City, Philippines)

  • Josh Emmanuel L. Suello

    (Carlos P. Garcia Senior High School 109 J. Luna St., Poblacion District, Davao City, Philippines)

  • Kenneth A. Pondang

    (Carlos P. Garcia Senior High School 109 J. Luna St., Poblacion District, Davao City, Philippines)

Abstract

The global shift toward electronic payments presents significant challenges for sari-sari store owners in Barangay Bucana, Davao City. This study examines the factors influencing sari-sari store owners in adopting electronic payments. Using a descriptive-quantitative approach, 30 sari-sari store owners were selected through simple random sampling. The findings reveal that factors such as operational efficiency, technological integration, and transaction speed influence the adoption of electronic payments. Based on these findings, the following recommendations are made: (1) conduct financial literacy training for store owners, focusing on budgeting, digital transactions, and reinvestment strategies; (2) implement hands-on training on digital payment platforms, ensuring store owners can efficiently navigate e-payment systems; and (3) set standardized transaction limits to ensure security while maintaining accessibility for customers. Additionally, future research should adopt a mixed-method approach to explore store owners’ perceptions and challenges in adopting electronic payments. A longitudinal study is also recommended to assess changes in adoption rates and the long-term impact of e-payments on sari-sari store operations.

Suggested Citation

  • Bryan Angelo C. Gesta & Lysha Wayne T. Cabulong & Jasmine Dela Cruz & Shanayahh Kate M. Kaling & Jellian Gantes & Sunshine B. Ampoloquio & Josh Emmanuel L. Suello & Kenneth A. Pondang, 2025. "Factors Influencing Sari-Sari Stores in Adopting Electronic Payments at Barangay Bucana, Davao City: A Descriptive Analysis," International Journal of Research and Innovation in Social Science, International Journal of Research and Innovation in Social Science (IJRISS), vol. 9(2), pages 2928-2942, February.
    • Handle: RePEc:bcp:journl:v:9:y:2025:issue-2:p:2928-2942
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    References listed on IDEAS

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    1. Al-Okaily, Manaf & Lutfi, Abdalwali & Alsaad, Abdallah & Taamneh, Abdallah & Alsyouf, Adi, 2020. "The Determinants of Digital Payment Systems’ Acceptance under Cultural Orientation Differences: The Case of Uncertainty Avoidance," Technology in Society, Elsevier, vol. 63(C).
    2. Lai, Kuei-Kuei & Chen, Yu-Long & Kumar, Vimal & Daim, Tugrul & Verma, Pratima & Kao, Fang-Chen & Liu, Ruirong, 2023. "Mapping technological trajectories and exploring knowledge sources: A case study of E-payment technologies," Technological Forecasting and Social Change, Elsevier, vol. 186(PB).
    3. Morten Linnemann Bech & Yuuki Shimizu & Paul Wong, 2017. "The quest for speed in payments," BIS Quarterly Review, Bank for International Settlements, March.
    4. Moghavvemi, Sedigheh & Mei, Tan Xin & Phoong, Seuk Wai & Phoong, Seuk Yen, 2021. "Drivers and barriers of mobile payment adoption: Malaysian merchants' perspective," Journal of Retailing and Consumer Services, Elsevier, vol. 59(C).
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