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All Journal Annals of Management and Organization Research Journal of Governance and Accountability Studies Global Academy of Multidisciplinary Studies
Moutusi Tanha
University of Canterbury, Christchurch, New Zealand
Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

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Factors influencing the development of the cashless payment system: Comprehending the function of the involved participants Moutusi Tanha; Md. Mohibul Alam Dolon; Al-Amin Al-Amin; Nusrat Afrin Nadi; Md. Monirul Islam; Md. Hazrat Ali
Annals of Management and Organization Research Vol. 5 No. 4 (2024): May
Publisher : goodwood publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/amor.v5i4.1959

Abstract

Purpose: The prevalence of cashless payments has increased globally owing to their myriad benefits. Furthermore, the use of cashless payments has also increased. Nevertheless, there is a need for more comprehensive research on the acceptance and current methodologies of cashless transactions. This study aims to gain a thorough understanding by identifying the entities involved and their pivotal functions in the payment ecosystem. Research Methodology: This report seeks to answer two research questions: i) Which factors are involved in the cashless payment ecosystem? What key elements influence the players in adopting a cashless payment ecosystem? Six key ecosystem players and their influencing elements were identified by comprehensively evaluating 63 publications published between 2015 and 2021. Results: Several benefits are associated with cashless payments, which have led to their growing popularity worldwide. Furthermore, during the COVID-19 epidemic, there was a significant increase in the use of cashless payment methods. Limitations: On the other hand, more holistic studies on the widespread use of cashless payment methods and their respective modern behaviors are needed. Contribution: In addition to providing a foundation for further empirical research, this study contributes to resolving adoption-related concerns. Novelty: This study’s original approach to understanding the various elements driving cashless payment system development by focusing on participant roles and functions is unique. Unlike previous studies, this study examines human dynamics rather than technology or regulatory issues.
Factors impacting user acceptance of e-wallets in Bangladesh's transition towards a cashless society Moutusi Tanha; Nurul Islam; Farhana Akter Priya; Mohammad Zonaed Emran; Tanvir Mahmud; Md. Mortuza
Annals of Management and Organization Research Vol. 6 No. 1 (2024): August
Publisher : goodwood publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/amor.v6i1.2088

Abstract

Purpose: This study investigates the impact of the digital revolution on everyday life, focusing mainly on the emergence of e-wallets as substitutes for traditional physical wallets, and the adoption of various banking technologies in Bangladesh. Research Methodology: This study examines the utilization of several banking technologies in Bangladesh, including bKash Limited's mobile banking services, which were introduced in July 2011, and offer secure and convenient financial services to individuals with or without bank accounts. Additionally, this study explores the National Payment Switch developed by Bangladesh Bank in 2012, which aims to standardize electronic payments among commercial banks, facilitating cash withdrawals using plastic cards at ATMs and point-of-sale (POS) locations. Results: The findings indicate that bKash Limited's mobile wallet facilitates secure transactions through its highly encrypted Visa technology platform, enabling customers to deposit for various services such as wages, loans, and domestic remittances. However, the availability of bKash is limited to specific networks and areas, with restrictions on the use of bank accounts. Moreover, implementing the National Payment Switch is expected to reduce transaction costs, enhance financial inclusivity, and streamline online transactions by eliminating individual payment networks. Limitations: One limitation of the study is the limited availability of bKash in specific regions and networks, and the restrictions imposed on bank account usage within the system. Contribution: This study contributes to the understanding of the evolving landscape of digital banking technologies in Bangladesh by offering insights into the adoption and impact of e-wallets and other banking solutions. The findings may inform policymakers, financial institutions, and researchers about strategies to enhance financial inclusivity, reduce transaction costs, and promote digitalization in the banking sector.
Impact of consumption values on cashless society: influence of perceived costs Moutusi Tanha; Nayem Mahmud Bhuiyan; Sudipta Mukhopadhyay; Sayed Sajib Mannan; Subroto Deb Nath; Md. Nasirul Islam; Muhammad Al Amin
Annals of Management and Organization Research Vol. 6 No. 3 (2025): February
Publisher : goodwood publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/amor.v6i3.2090

Abstract

Purpose: This study aims to investigate the influence of consumption values (functional, social, emotional, epistemic, and conditional) on adopting a cashless society while examining the moderating effect of perceived cost and the mediating effect of cashless readiness. Research Methodology: A quantitative research approach was employed, utilizing a convenience sampling method to collect data from 200 respondents through a survey. Statistical analysis techniques such as structural equation modeling (SEM) were likely used to analyze the data and test the hypothesized relationships. Results: The study reveals that functional, epistemic, and conditional values significantly impact cashless readiness, which in turn affects the adoption of a cashless society. Perceived cost is identified as a significant moderator between cashless readiness and the adoption of a cashless society. Additionally, the findings indicate that cashless readiness partially mediates the relationship between functional, epistemic, and conditional values and the adoption of a cashless society. Limitations: A potential limitation could be the use of a convenience sampling method, which may affect the generalizability of the findings to a larger population. Contributions: The findings of this study could be valuable for mobile financial service providers, banking institutions, and governmental organizations in developing strategies to increase the adoption of digital payment systems. It contributes to the existing literature on consumer behavior and technology adoption, specifically in the context of cashless societies and mobile financial services.
Cashless Mobile Financial Services: Rapid growing financial sector in Bangladesh's Financial Industry Moutusi Tanha; Md. Ruhul Amin; Md. Yeamin Masum; Mithun Bairagi; Md. Habibur Rahman; Md. Zahid Hasan
Annals of Management and Organization Research Vol. 6 No. 2 (2024): November
Publisher : goodwood publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/amor.v6i2.2108

Abstract

Purpose: Mobile finance services have grown in Bangladesh, reaching a large population without access to traditional banks. This research investigates how mobile banking affects Bangladesh's economy. The paper analyzes mobile financial services in the nation and identifies growth prospects. Furthermore, the study will examine the potential impact of mobile financial services on improving the quality of life for low-income persons and their role in combating poverty. Methodology/approach: In order to gather data on the adoption and utilization of mobile financial services in Bangladesh, the research will integrate primary and secondary sources, such as surveys, interviews, and case studies. The study will also examine the socioeconomic and demographic factors influencing the country's adoption of mobile financial services. Results/findings: The study also analyzed mobile financial services' economic benefits and potential drawbacks. The study will focus on the potential impact of mobile finance services on enhancing financial inclusion, expanding access to credit, and promoting economic growth in Bangladesh. The thesis will examine the potential impact of mobile financial services on enhancing financial literacy among the population and boosting the nation's GDP. Limitations: Bangladesh's Information and Communication (ICT) strategy highlights the government's digital initiatives and policy goals as weak regarding digital inclusion. Consequently, the extent to which digital services and financial technology (fintech) will provide financial inclusion in rural Bangladesh remains uncertain. To achieve financial inclusion in the digital economy through digital services, rural populations must have access to digital equipment and supportive social contexts. Contribution: The research will investigate Bangladesh's mobile banking regulatory system and suggest improvements to protect consumers. It will also examine mobile financial service providers' problems and opportunities, as well as solutions. This article seeks to study mobile banking services in Bangladesh and find development opportunities. The findings will inform policymakers, financial institutions, and service providers in Bangladesh and other developing nations where mobile banking proliferates. Keywords: Cashless, Mobile Banking, Mobile Financing
Co-Authors Akib Mahumd Al-Amin Al-Amin Ather Yeasir Fahim Azmol Hossain Joy Emam Mehede Hassan Fahimuzzaman Shawn Farhana Akter Priya Jawad Md. Asadullah Kabbya Das Papon Mahfuza Sultana Maliha Ahmed Siddique Maliha Ahmed Siddique Md Ali Reza Raju Md Zakir Hossain Md. Al Sabahel Md. Al Sabahel Md. Erfanul Hoque Md. Ferdous Rahman Razon Md. Habibur Rahman Md. Hazrat Ali Md. Jahidul Islam Md. Karimul Alam Md. Mohibul Alam Dolon Md. Monirul Islam Md. Monirul Islam Sumon Md. Monirul Islam Sumon Md. Mortuza Md. Nasirul Islam Md. Nurulhoque Md. Nurulhoque Md. Ruhul Amin Md. Ruhul Amin Md. Shahjahan Khandakar Md. Yeamin Masum Md. Yeamin Masum Md. Zahid Hasan Mithun Bairagi Mohammad Zonaed Emran Moin Talukder Muhammad Al Amin Murshed Alam Nayem Mahmud Bhuiyan Nayem Mahmud Bhuiyan Nurul Islam Nusrat Afrin Nadi Peas Hossain Peas Hossain Rawshan Sazin Rawshan Sazin Sajid A. Mabud Sayed Sajib Mannan Shahadat Hossain Shahira Tasnim Shatirtho Sarkar Sheikh Shahanewaz parvez Sohel Parvez Subroto Deb Nath Sudipta Mukhopadhyay Sultan Mahmud Tanvir Mahmud Tozim Chakma Waliul Islam