Demystification of Readiness, Security, and Technological Enhancements in the Adoption of a Cashless Economy

被引:0
作者
Susanto, Heru [1 ,2 ,3 ,4 ,5 ,6 ,7 ,8 ]
Tamtini, Noor [1 ,2 ,3 ,4 ,5 ,6 ,7 ]
Ibrahim, Fahmi [1 ]
Susanto, Alifya Kayla Shafa [2 ,3 ,4 ,5 ,6 ,7 ,9 ]
Setiana, Desi [10 ,11 ]
Yie, Leu Fang [2 ,3 ,4 ,5 ,6 ,7 ,8 ]
机构
[1] Univ Technol Brunei, Sch Business, Bandar Seri Begawan BE1410, Brunei
[2] BRIN Natl Res & Innovat Agcy, Ctr Int Res Collaborat Graph Theory & Combinatory, Jakarta 10340, Indonesia
[3] UTB Univ Technol Brunei, Jalan Tungku Link Gadong BE1410, Brunei
[4] ITB Inst Technol Bandung, Bandung 40132, Indonesia
[5] UI Univ Indonesia, Depok 16424, Indonesia
[6] THU Tunghai Univ, Taichung 40704, Taiwan
[7] IOU Int Open Univ, Jakarta 12780, Indonesia
[8] Natl Res & Innovat Agcy, Ctr Artificial Intelligent & Cyber Secur, Bandung 40135, Indonesia
[9] Univ Technol Brunei, Sch Comp & Informat, Bandar Seri Begawan BE1410, Brunei
[10] Univ Brunei Darussalam, Inst Brunei Studies, Digital Psychol Res Grp, Bandar Seri Begawan BE1410, Brunei
[11] Minist Law & Human Rights, Southern Correct Ctr, BAPAS Jakarta Selatan, Jakarta 12940, Indonesia
关键词
adoption; cashless payments; perceptions; technology readiness index; technology acceptance model; COVID-19; pandemic; working society; cashless economy; PLS-SEM; ACCEPTANCE; VALIDITY; SERVICE; SOCIETY; MODEL;
D O I
10.3390/economies12110285
中图分类号
F [经济];
学科分类号
02 ;
摘要
The adoption of a cashless economy was accelerated globally by the devastating impact of the COVID-19 pandemic. Brunei Darussalam was not excluded from this trend, as pandemic-related restrictions were implemented to ensure the safety of its population. In light of the COVID-19 crisis, this research paper examines the factors influencing the readiness and acceptance of a cashless economy among working society in Brunei Darussalam. The integrated concepts of the Technology Acceptance Model (TAM) and Technology Readiness Index (TRI) are applied to examine perceptions impacting their acceptance and readiness to continue adopting a cashless economy. The methodology includes a literature review and the use of secondary data from government reports and industry publications. A quantitative approach is employed, utilizing an online survey to collect non-probability samples from 212respondents. The main instruments used in the survey are structured questionnaires. The study's findings show that factors such as the assessment of payment modes, technological development, digital literacy, knowledge, regulatory policies, and security concerns significantly affect working society's perceptions, readiness, and acceptance of a cashless economy. These results provide insights for policymakers and stakeholders on the key factors influencing continued cashlessness adoption and shaping societal behavior towards cashless payments.
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页数:35
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