IDEAS home Printed from https://ideas.repec.org/h/spr/advbcp/978-94-6463-758-8_274.html

User Perceptions and the Evolution of Cashless Payment Systems: Adoption, Innovation, and Sustainability

In: Proceedings of the 9th International Conference on Accounting, Management, and Economics 2024 (ICAME 2024)

Author

Listed:
  • Triadika Nugraha

    (Hasanuddin University)

  • Arifuddin

    (Hasanuddin University)

  • Aini Indrijawati

    (Hasanuddin University)

Abstract

The rapid evolution of mobile and cashless payment systems has significantly transformed global financial landscapes, fueled by technological innovations and shifting consumer behaviors. This systematic literature review (SLR) aims to synthesize findings from recent studies on the adoption and impact of cashless payment technologies, with a particular focus on user perceptions, business sustainability, and the factors influencing technology acceptance. Based on 10 key studies, the review examines critical themes such as consumer trust, perceived ease of use, security, and innovations in digital payment systems, including QR codes and wearable devices. The findings highlight the importance of understanding user behavior to enhance the effectiveness of cashless technologies, as these systems align with sustainability goals by reducing reliance on physical currency and improving operational efficiency within businesses. Furthermore, the review identifies challenges and opportunities for enhancing user engagement and adoption rates. The insights provided are valuable for policymakers, financial institutions, and technology providers striving to foster inclusive, sustainable, and efficient digital payment ecosystems that support economic growth and financial inclusion.

Suggested Citation

  • Triadika Nugraha & Arifuddin & Aini Indrijawati, 2025. "User Perceptions and the Evolution of Cashless Payment Systems: Adoption, Innovation, and Sustainability," Advances in Economics, Business and Management Research, in: Mursalim Nohong & Fitra Roman Cahaya & Phung Minh Tuan & Arifuddin Mannan & Anas Iswanto Anwar & Ria (ed.), Proceedings of the 9th International Conference on Accounting, Management, and Economics 2024 (ICAME 2024), pages 3272-3280, Springer.
    • Handle: RePEc:spr:advbcp:978-94-6463-758-8_274
    DOI: 10.2991/978-94-6463-758-8_274
    as

    Download full text from publisher

    To our knowledge, this item is not available for download. To find whether it is available, there are three options:
    1. Check below whether another version of this item is available online.
    2. Check on the provider's web page whether it is in fact available.
    3. Perform a
    for a similarly titled item that would be available.

    More about this item

    Keywords

    ;
    ;
    ;
    ;

    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:spr:advbcp:978-94-6463-758-8_274. 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.

    We have no bibliographic references for this item. You can help adding them by using 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: Sonal Shukla or Springer Nature Abstracting and Indexing (email available below). General contact details of provider: http://www.springer.com .

    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.