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Effect of Cashless Policies on Operations of Market Women in Akpan Andem Market, Uyo, Akwa Ibom State

Author

Listed:
  • Abaikpa, Udeme Anthony

    (Federal College of Education)

  • Brownson, Margaret Akpan

    (Federal State University of Education)

  • Enang, Imo Bassey

    (Federal College of Education)

  • Kumbur, Miriam Dooshima

    (Federal College of Education)

Abstract

This study investigates the effects of cashless policies on the operations of market women in Akpan Andem Market, Uyo, Akwa Ibom State. For the objectives of this study to be achieved, two hypotheses were formulated and tested. A survey research design was utilized. A sample of 400 respondents was selected using a stratified random sampling technique. Regression analysis was employed to test the hypotheses. The results of the regression analysis revealed a positive and statistically significant effect of cashless policies on the operations of market women. Based on the findings, the study recommends providing practical financial literacy and digital payment awareness programmes tailored to market women. It further recommends improving access to affordable digital devices and reliable internet services to remove adoption barriers, while continuous training and accessible technical support should be provided to build confidence in the use of cashless payment technologies. In addition, transparent communication regarding transaction security is essential for strengthening trust in digital payment systems. The study concludes that continued research into the facilitators and barriers to cashless payment adoption will help policymakers and stakeholders design context-specific interventions that promote successful financial inclusion among market women.

Suggested Citation

  • Abaikpa, Udeme Anthony & Brownson, Margaret Akpan & Enang, Imo Bassey & Kumbur, Miriam Dooshima, 2026. "Effect of Cashless Policies on Operations of Market Women in Akpan Andem Market, Uyo, Akwa Ibom State," African Journal of Commercial Studies, African Journal of Commercial Studies, vol. 7(4).
    • Handle: RePEc:cwk:ajocsl:2026-038
    DOI: 10.59413/ajocs/v7.i4.4
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    Keywords

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    JEL classification:

    • E42 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Monetary Systems; Standards; Regimes; Government and the Monetary System
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • O33 - Economic Development, Innovation, Technological Change, and Growth - - Innovation; Research and Development; Technological Change; Intellectual Property Rights - - - Technological Change: Choices and Consequences; Diffusion Processes
    • J16 - Labor and Demographic Economics - - Demographic Economics - - - Economics of Gender; Non-labor Discrimination

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