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

Triadika Nugraha (), Arifuddin and Aini Indrijawati
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Triadika Nugraha: Hasanuddin University
Arifuddin: Hasanuddin University
Aini Indrijawati: Hasanuddin University

A chapter in Proceedings of the 9th International Conference on Accounting, Management, and Economics 2024 (ICAME 2024), 2025, pp 3272-3280 from Springer

Abstract: 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.

Keywords: Cashless Payment Systems; Technology Acceptance; User Perception; Sustainable (search for similar items in EconPapers)
Date: 2025
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DOI: 10.2991/978-94-6463-758-8_274

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