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

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

Authors
Triadika Nugraha1, *, Arifuddin1, Aini Indrijawati1
1Hasanuddin University, Makasssar, Indonesia
*Corresponding author. Email: triadika.nugraha@gmail.com
Corresponding Author
Triadika Nugraha
Available Online 30 July 2025.
DOI
10.2991/978-94-6463-758-8_274How to use a DOI?
Keywords
Cashless Payment Systems; Technology Acceptance; User Perception; Sustainable
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.

Copyright
© 2025 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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Volume Title
Proceedings of the 9th International Conference on Accounting, Management, and Economics 2024 (ICAME 2024)
Series
Advances in Economics, Business and Management Research
Publication Date
30 July 2025
ISBN
978-94-6463-758-8
ISSN
2352-5428
DOI
10.2991/978-94-6463-758-8_274How to use a DOI?
Copyright
© 2025 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Cite this article

risenwbib
TY  - CONF
AU  - Triadika Nugraha
AU  - Arifuddin
AU  - Aini Indrijawati
PY  - 2025
DA  - 2025/07/30
TI  - User Perceptions and the Evolution of Cashless Payment Systems: Adoption, Innovation, and Sustainability
BT  - Proceedings of the 9th International Conference on Accounting, Management, and Economics 2024 (ICAME 2024)
PB  - Atlantis Press
SP  - 3272
EP  - 3280
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6463-758-8_274
DO  - 10.2991/978-94-6463-758-8_274
ID  - Nugraha2025
ER  -