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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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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 Asadullah, Jawad Md. Bhuiyan , Nayem Mahmud Bhuiyan, Nayem Mahmud Chakma, Tozim Dolon, Md. Mohibul Alam Emran, Mohammad Zonaed Fahim, Ather Yeasir Hassan, Emam Mehede Hossain, Peas Hossain, Shahadat Islam , Md. Nasirul Islam , Nurul Islam, Md. Jahidul Islam, Md. Monirul Joy, Azmol Hossain Khandakar, Md. Shahjahan Mabud, Sajid A. Mahmud , Tanvir Mahmud, Sultan Mahumd, Akib Mannan, Sayed Sajib Masum, Md. Yeamin Md. Ruhul Amin Mortuza, Md. Muhammad Al Amin Mukhopadhyay, Sudipta Nadi, Nusrat Afrin Nath , Subroto Deb Nurulhoque, Md. parvez, Sheikh Shahanewaz Priya, Farhana Akter Raju, Md Ali Reza Razon, Md. Ferdous Rahman Sabahel , Md. Al Sabahel, Md. Al Sazin, Rawshan Shawn, Fahimuzzaman Siddique, Maliha Ahmed Sultana, Mahfuza Sumon, Md. Monirul Islam Talukder, Moin Tasnim, Shahira Waliul Islam