IDEAS home Printed from https://ideas.repec.org/a/bcp/journl/v9y2025issue-2p2928-2942.html
   My bibliography  Save this article

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
    as

    Download full text from publisher

    File URL: https://www.rsisinternational.org/journals/ijriss/Digital-Library/volume-9-issue-2/2928-2942.pdf
    Download Restriction: no
    File URL: https://rsisinternational.org/journals/ijriss/articles/factors-influencing-sari-sari-stores-in-adopting-electronic-payments-at-barangay-bucana-davao-city-a-descriptive-analysis/
    Download Restriction: no
    ---><---

    References listed on IDEAS

    as
    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. 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).
    3. Morten Linnemann Bech & Yuuki Shimizu & Paul Wong, 2017. "The quest for speed in payments," BIS Quarterly Review, Bank for International Settlements, March.
    4. 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).
    Full references (including those not matched with items on IDEAS)

    Most related items

    These are the items that most often cite the same works as this one and are cited by the same works as this one.
    1. Nadire Cavus & Yakubu Bala Mohammed & Abdulsalam Ya’u Gital & Mohammed Bulama & Adamu Muhammad Tukur & Danlami Mohammed & Muhammad Lamir Isah & Abba Hassan, 2022. "Emotional Artificial Neural Networks and Gaussian Process-Regression-Based Hybrid Machine-Learning Model for Prediction of Security and Privacy Effects on M-Banking Attractiveness," Sustainability, MDPI, vol. 14(10), pages 1-21, May.
    2. Lian, Jiunn-Woei & Li, Ji, 2021. "The dimensions of trust:An investigation of mobile payment services in Taiwan," Technology in Society, Elsevier, vol. 67(C).
    3. Noopur Saxena & Navneet Gera & Mayur Taneja, 2023. "An empirical study on facilitators and inhibitors of adoption of mobile banking in India," Electronic Commerce Research, Springer, vol. 23(4), pages 2573-2604, December.
    4. Arghya Ray & Muskan Jain & Lan Ma & Khalid Hussain Alhamzi & Ananya Ray & Long She, 2024. "The impact of personality traits, barriers and gamification on Gen X continuance intention for mobile credit bill payment apps," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 29(3), pages 1154-1174, September.
    5. El Aissoug, Chaimaa & Kim, Thai-Young & Wang, Xue-Qin & Choi, Dong-Hyun, 2024. "Cross-cultural exploration of determinants of e-commerce adoption: Perspectives from logistics service quality and payment driver," Journal of Retailing and Consumer Services, Elsevier, vol. 81(C).
    6. Erik Feyen & Jon Frost & Harish Natarajan & Tara Rice, 2021. "What Does Digital Money Mean for Emerging Market and Developing Economies?," Springer Books, in: Raghavendra Rau & Robert Wardrop & Luigi Zingales (ed.), The Palgrave Handbook of Technological Finance, pages 217-241, Springer.
    7. Jorge Ponce, 2020. "Digitalization, retail payments and Central Bank Digital Currency," Financial Stability Review, Banco de España, issue Autumn.
    8. Ashwarya Kapoor & Rajiv Sindwani & Manisha Goel, 2024. "Decoding the conundrum: exploring complex interlinkages between mobile wallet adoption inhibitors among unorganised retailers," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 29(4), pages 1487-1502, December.
    9. Cárdenas, Miguel & Madeira, Carlos & Morales-Resendiz, Raúl & Musa, Miguel & Sanclemente, Mario & Sanz-Bunster, Leon, 2024. "Tiered access in RTGS systems: A DLT-based approach," Latin American Journal of Central Banking (previously Monetaria), Elsevier, vol. 5(1).
    10. Johannes Asel & Simone Mingione & Petia Niederländer & Georg Nitsche, 2022. "From SEPA to the digital euro: payments past, present and future," Monetary Policy & the Economy, Oesterreichische Nationalbank (Austrian Central Bank), issue Q1-Q2/22, pages 47-74.
    11. Nguyen Ngoc Thi Hong & Rudawska Edyta, 2022. "Integrated Cultural Theories on Mobile Marketing Acceptance: Literature Review," Journal of Management and Business Administration. Central Europe, Sciendo, vol. 30(3), pages 112-135, September.
    12. Oussama Tounekti & Antonio Ruiz-Martínez & Antonio F. Skarmeta Gomez, 2022. "Research in Electronic and Mobile Payment Systems: A Bibliometric Analysis," Sustainability, MDPI, vol. 14(13), pages 1-24, June.
    13. Sanguineti, Francesca & Maran, Thomas, 2024. "Navigating the clouds: Cultural influences on technology acceptance in the workplace," Technology in Society, Elsevier, vol. 77(C).
    14. Manaf Al-Okaily & Abdul Rahman Al Natour & Farah Shishan & Ahmed Al-Dmour & Rasha Alghazzawi & Malek Alsharairi, 2021. "Sustainable FinTech Innovation Orientation: A Moderated Model," Sustainability, MDPI, vol. 13(24), pages 1-11, December.
    15. Balakrishnan, Vimala & Shuib, Nor Liyana Mohd, 2021. "Drivers and inhibitors for digital payment adoption using the Cashless Society Readiness-Adoption model in Malaysia," Technology in Society, Elsevier, vol. 65(C).
    16. Desiraju, Kanti & Mishra, Arindra Nath & Sengupta, Pooja, 2024. "Customer perceptions on open banking apps: Insights using Structural topic modeling," Journal of Retailing and Consumer Services, Elsevier, vol. 81(C).
    17. Nisrine Essanoussi & Zineb Bennis Nechba, 2022. "The use of online payment in Morocco during COVID19: An analysis of the TAM model by logistic regression [L'utilisation du paiement en ligne au Maroc à l'heure de la COVID19 : Une analyse du modèle," Post-Print halshs-03705130, HAL.
    18. Jingwen Sun & Jie Zhang, 2024. "Digital Financial Inclusion and Innovation of MSMEs," Sustainability, MDPI, vol. 16(4), pages 1-18, February.
    19. Hartmann, Monika & Gijsel, Lola Hernandez-van & Plooij, Mirjam & Vandeweyer, Quentin, 2019. "Are instant payments becoming the new normal? A comparative study," Occasional Paper Series 229, European Central Bank.
    20. Morten Linnemann Bech & Jenny Hancock, 2020. "Innovations in payments," BIS Quarterly Review, Bank for International Settlements, March.

    More about this item

    Statistics

    Access and download statistics

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:bcp:journl:v:9:y:2025:issue-2:p:2928-2942. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    If CitEc recognized a bibliographic reference but did not link an item in RePEc to it, you can help with this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Dr. Pawan Verma (email available below). General contact details of provider: https://rsisinternational.org/journals/ijriss/ .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.