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All Journal Annals of Management and Organization Research Journal of Governance and Accountability Studies
Tanha, Moutusi
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Economics, Econometrics & Finance Social Sciences

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Factors impacting user acceptance of e-wallets in Bangladesh's transition towards a cashless society Tanha, Moutusi; Islam , Nurul; Priya, Farhana Akter; Emran, Mohammad Zonaed; Mahmud , Tanvir; Mortuza, Md.
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 Tanha, Moutusi; Bhuiyan, Nayem Mahmud; Mukhopadhyay, Sudipta; Mannan, Sayed Sajib; Nath , Subroto Deb; Islam , Md. Nasirul; 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.
Co-Authors Al-Amin, Al-Amin Alam, Md. Karimul Alam, Murshed Ali, Md. Hazrat Bhuiyan, Nayem Mahmud Dolon, Md. Mohibul Alam Emran, Mohammad Zonaed Hossain, Peas Hossain, Shahadat Islam , Md. Nasirul Islam , Nurul Islam, Md. Monirul Mahmud , Tanvir Mahmud, Sultan Mannan, Sayed Sajib Mortuza, Md. Muhammad Al Amin Mukhopadhyay, Sudipta Nadi, Nusrat Afrin Nath , Subroto Deb Nurulhoque, Md. Priya, Farhana Akter Sabahel, Md. Al Sazin, Rawshan Siddique, Maliha Ahmed Sumon, Md. Monirul Islam