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Hence, identifying the opportunity to leverage the existing knowledge of the consumer to build trust
can intensify the consumer’s purchase intention. LIMITATION OF THE STUDY: My study is
confined to the peoples of basanti colony. Amidst the skepticism of Nigerians, the recapitalization
agenda which kicked off in 2005 has been successful. This idea is new coming and only exists in a
few countries. No data was collected from anyone under 18 years old. This is evident in SMEs’
performance, growth and operation, especially in rural areas. Cashless Indian Society After
Demonetization 2017 Survey Cash vs. Thus, consumers’ intentions will provide understanding and
knowledge of this cheaper, faster, and easier way of transferring funds through online transactions.
How to Verify a Nigerian International Driving Permit. Chip Card: Also known as an integrated
circuit (IC) Card. This drawback necessitates the future research to extend the empirical analysis
across the nation in order to determine if or not micro entrepreneurs in the informal sector
considering their socioeconomic attribute are financially involved in the cashless economy policy.
Journal of Functional Morphology and Kinesiology (JFMK). Cashless policy strategy has
appreciably enhanced the unbanked and the banked micro-entrepreneurs’ value proposition. 46.6%,
representing 192 respondents as against 137% agree that the micro entrepreneurs (banked and
unbanked) value propositions in the informal sector have not been promoted. Table 5. Item 4
Responses Test of Hypotheses Hypothesis 1 Ho: CBN Cashless policy strategies have not
appreciably taken Financial Services Closer to the Micro Entrepreneurs Table 6a. Here, you will find
the disadvantages that come with the cashless policy. In other words, the introduction of new
cashless policy tool promotes financial inclusion more among the participants in the formal sector
than the participants in the informal sector. Top 10 Export Companies in Nigeria Can a Nigerian
PayPal Account Receive Money. Cash is definitive in nature and cash exchange carries with it the
writ of the country. Performance expectancy is defined as the degree to which using a technology
will offer benefits to consumers in performing certain activities. Next, effect size (f 2 ) results of
effect size for this study are tabulated in Table 5. Future research could attempt to integrate more
constructs into the study’s model, or implement the model in different cultures and geographical
settings, in order to reveal a complex and more generalized understanding of the adoption and use of
e-wallets—particularly among young generations in turbulent markets. As we know every good has
its bad side also, surely aura of cashless transactions is spreading all. OBJECTIVES OF THE
STUDY The following are the objectives of this study: To examine the effect of cashless policy on
Small and medium businesses in Edo State. Digital transactions are traceable, therefore easily
taxable. Consequently, Nigerian banks now transit from cash-based to the cashless banking system.
But after the introduction of E-Banking in the country in 2003, the provision of services improved
and the competition between banks increased dramatically. Transactions can be carried out from any
location, between any two individuals. Most wallet services allow recharges of denominations of the
consumer’s choice. More so, none of them developed a theoretical framework and model with the
view of determining the effect of financial exclusion of this Subsector on the achievement of the
objectives of the cashless policy obtaining evidence from Ogun-state. 3. Methodology, Theoretical
Framework and Model The study adopts survey research design with the help of inferential statistics
as a tool of analysis. In wake of the issues highlighted above, some governments are already viewing
the. Often times, there are complaints with POS malfunctions and other technical issues that come
with it.
Hence, the flow of cash from formal sector operators to informal sector participants is tantamount to
leakage of cash out of the banking system. As a result, consumers would consider online transactions
as a useful and smart choice to purchase and even repurchase in the future. There needs to be the
provision of adequate and well-functioning infrastructural facilities in Nigeria. Amidst the skepticism
of Nigerians, the recapitalization agenda which kicked off in 2005 has been successful. However, the
benefits of this move have now started trickling in with more and more people. If the same amount
of cash does not flow back into circulation and people continue. Thus to strengthen the program, the
government of India went on. Lifestyle compatibility had a positive and significant effect on the
intention to use an e-wallet (H5). Therefore, the importance of banks cannot be overemphasized
because there are essential agents for the growth of an economy (Godswill, et al. 2018).
Technological improvements have made the business environment of today witnessing rapid changes.
Data-based transmission and electricity are essential support systems required to improve the security
of the personal data of consumers using e-commerce. Ho 2: There is no significant relationship
between Point of Sale and Real Gross Domestic Product in Nigeria. And my friends for motivating
and helping me throughout the. The above pie chart shows percentage of the most important thing to
convert India. Micro enterprises are SME Subsector with employment size that is less than 10, with
an asset value excluding the cost of land and buildings of almost N5million (Report of the Vision
2020, 2009). He does not accept another mode of payment because that will showcase the GST
collected by the owner and then he will have to reimburse the same to the government. They can now
make use of the ATM for withdrawal and transfer or use their mobile phones to perform
transactions. Besides, if the futuristic cards evolve to use biometric ID. With increasing adoption of
electronic payments, particularly those driving e-commerce and m-. Indonesian E-Wallet Market-
Digital Payments Are Trending Upward in Indonesia. Customers paying payments through online
gateways of public sector general. Project on biscuits,business studies project work, 12 class business
project. Crude oil accounts for 15% of the country’s total exports and is ranked as the 8th most
important oil exporter in the world. The growing number of digital consumers has been projected to
escalate online shopping transactions by 3.7-fold from USD 13.1 billion in 2017 to USD 48.3 billion
in 2025. The top four e-wallet platforms in Indonesia based on the number of active users between
2017 and 2019 were Go-Pay, OVO, DANA, and Linkaja. The impact of Information Technology in
cashless economy in India is as following. Hypothesis 4. Ho: Cashless policy strategy has not
appreciably enhanced the unbanked and the banked micro-entrepreneurs’ value proposition. Table 9a.
One-Sample T Test (Parametric Test) Table 9b. Percent of population with a debit card: 79 percent.
Similarly, engineering and management stream seats have a price. Literacy to Rural people Digital
Education Both Any Other. The policy of not providing tax credits is while unfortunate for genuine
businessmen will grow the cash economy. This allows fund transfers through the interface of any
mobile phone.
One principal challenge in the use of an Electronic payment system is a power outage. Any change in
detail or information other than fact must be considered a human error. On realistic estimates, it
seems the government will take at least 2-3 quarters to. To what extent does Point of Sale influence
Real Gross Domestic Product in Nigeria. The outcome of this study will educate the managers of
small and medium businesses and the general public on the effect of cashless policy on SMEs
recommending coping strategies to ensure profitability with the use of modern technology. The
cashless policy has not escaped such critics, hence the need to address the concerns of the citizenry if
the policy must survive. The anticipated benefits of the adoption of the cashless economy have been
greatly stressed but people have not been convinced that the policy is for the good of all especially
the SMEs which contributes majorly to the economy. The growing use of plastic money (Debit,
Credit, Gift cards and ATM): Indian. The owner of this restaurant refuses to accept payments of the
bill via credit or debit cards and neither returns bills to his customers unless demanded. Thus, there
are many difficulties associated with the actualization of the cashless economic policy among the
Nigerian families especially the illiterate family members; those living mostly in rural areas, and the
unemployed as well (Olele and NwalaUgwunna, 2014). Corporation of India makes digital
transactions as simple as sending a text message. Jeet Amrutiya Cashless Powerpoint Cashless
Powerpoint guest6faf386 Cryptocurrency and India Cryptocurrency and India Nidhi Gupta Digital
Payment-Revolution in India Digital Payment-Revolution in India Binod Sinha Cashless India
Cashless India shivang sharma E-banking E-banking Akash Desai Singham What's hot ( 20 )
CASHLESS INDIA - A Way Forward CASHLESS INDIA - A Way Forward Presentation on Is
India ready to go Cashless. Indistinguishable from Magic: How the Cybersecurity Market Reached a
Trillion. Cashless economy refers to the term describing the system in which the movement of
physical. Hence, the following hypothesis is proposed: Hypothesis 9 (H9). Payments Innovation
Payments Innovation Advantages And Disadvantages Of E-Payment In Nigeria Advantages And
Disadvantages Of E-Payment In Nigeria CASHLESS ECONOMY CONSUMER PERCEPTION
AND TOWARDS DIGITAL PAYMENT SYSTEM (ADU). Moreover, e-wallets offer an easy way
to store e-money and to make payments for online purchases. Yang, M.; Mamun, A.A.; Mohiuddin,
M.; Nawi, N.C.; Zainol, N.R. Often times, there are complaints with POS malfunctions and other
technical issues that come with it. Only 20% of them deposit their savings in bank accounts. As a
result, the gender factor failed to moderate the relationships between social influence and facilitating
condition and perceived trust and the intention to use an e-wallet. My research methodology requires
gathering relevant data from the specified. Q-9) What rating would you give to this
“Demonetization decision”’? Modern banks now realize that only those that overhaul their payment
services delivery and operations are likely to survive and prosper in the new millennium (Okoye, A.
P. 2018). This is because of the generational phase we live in, where a child of five (5) years knows
how to operate computers and surf the internet. One of the first five states that adopted the policy
immediately after the pilot in Lagos state on 1st October, 2013. Table 5 presents the results of
predictive relevance Q 2. It is not possible to collect information from each and. The processes
required in the opening of bank account are stringent to the extent of wasting the productive time of
this Subsector of the economy. Slight interview was conducted along with the administered
questionnaires. Switching to digital modes of receiving and making payment.
Lastly, this study addressed the scarcity of studies that focused on the adoption of e-wallets,
especially during a pandemic, to purchase online products amidst young consumers. Another
infrastructure that needs to be provided is electricity. Here are the five alternatives that the PMO
tweeted about. Next, social influence, lifestyle compatibility, and perceived trust exhibited a
significant effect on the intention to use an e-wallet. As a result, 501 responses to the questionnaire
were eligible for statistical analysis. Hypothesis 3. Ho: CBN cashless policy strategies have not
appreciably increased awareness of electronic channels to the micro entrepreneurs in the informal
sector of the economy. Table 8a. One-Sample T Test (Parametric Test) Table 8b. Similarly,
engineering and management stream seats have a price. Next, DANA, which was introduced in
2018, had managed to boost its popularity and replaced Linkaja in third position in second quarter of
2019. The research work used parametric (One sample T-Test) and non-parametric (Kolmogorov-
Smirnov) statistical tool to test the hypotheses formulated. Currently, 58 percent passengers buy
tickets online. BHIM allow users to send or receive money to other UPI payment addresses or. The
reliability of scale under the parallel model assumption also indicates the same coefficient. So the
technology is itself an important need for going cashless. The above pie chart shows preference for
making payment digitally. The process involves in the installation of the mobile banking application
on phones, obtaining the token and procuring other banking utilities are tedious and believed that it
would add nothing to their value economically and socially. Going by the provision of the policy in
its bid to achieve the set objectives, it is implicit that this subsector of the economy is yet to be well
integrated into this new developmental financial policy as the peculiar programmes recognizing their
socio-economic attributes that could capture their financial and economic activities are not explicitly
embodied in the policy. Micro enterprises are SME Subsector with employment size that is less than
10, with an asset value excluding the cost of land and buildings of almost N5million (Report of the
Vision 2020, 2009). This has led to the dependency on electronic money (e-money) usage in
performing transactions. Hence, the following hypothesis is proposed: Hypothesis 9 (H9). The
situation is more disturbing when compared with what other sectors (with lesser economic
implication) of the economy has been able to achieve. These findings point out that consumers often
participate in virtual communities when facilitating conditions exist. But, the workability of the
policy roost majorly on the use of information communication technology based network in
discharging the financial services by the banking system and the sundry. The participants in informal
sectors continue to interact with one another economically without the use of banks for financial
transactions. You should never duplicate the content word for word (verbatim), as
SCHOOLTHESIS.COM will not be held liable for anyone who does. Poor network and connectivity
which results most often into debiting customers’ accounts more than once, high transaction cost, as
well as security and technical setback, are some of the factors still posing as challenges to the recent
move. European Journal of Investigation in Health, Psychology and Education (EJIHPE). A cashless
economy does not mean the absence of cash in the economy, it only describes an economic system in
which transactions occur without the physical carrying of cash from one person to another. Noncash
payments' share of total value of consumer payments: 86 percent. However, some of the limitations
encountered during the course of this study stems from the gathering of relevant and sufficient data
to this study, the high cost of downloading and printing of materials from the internet and the office
for too much permission, typographical errors of typist, and also the duration that was giving to the
research is considered too short coupled with other academic challenges. 1.9 Organization of the
study This study comprises of five chapters. The study findings revealed that the effect of cashless
policy on small and medium businesses in Edo state makes payment convenient for businessmen;
reduces the cost of a transaction; ensures the security of the SMEs; helps SMEs control reckless
spending, though it will lead to the high-interest rate.