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Assessing the factors affecting the adoption of cashless payments by small-scale traders: a case study on Sri Lanka

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dc.contributor.author Karunarathna, KK
dc.date.accessioned 2023-11-30T05:45:06Z
dc.date.available 2023-11-30T05:45:06Z
dc.date.issued 2023-12-04
dc.identifier.uri http://dl.lib.uom.lk/handle/123/21807
dc.description.abstract This study investigates cashless payment adoption among small-scale traders in Sri Lanka, emphasizing those with capital investments below Rs. 4 million and workforces of 50 or fewer. Employing a positivist paradigm and a deductive approach based on the extended Technology Acceptance Model (TAM), the research challenges prevailing assumptions. Findings, derived from multiple regression analysis on an 80-trader sample in the Kurunegala district, reveal that associated costs and past exposure insignificantly impact acceptance. In contrast, trust and customer demand emerge as pivotal factors, offering nuanced insights into Sri Lanka's societal shift towards cashless systems. While the study provides practical guidance for policymakers, limitations, such as modest sample size and geographic specificity, warrant cautious interpretation. Future research should diversify samples, adopt mixed methods, and explore emerging technologies for a comprehensive understanding. The study contributes substantively to practical and theoretical realms, challenging conventional assumptions and emphasizing regional variations in small-scale traders' attitudes toward cashless methods. en_US
dc.language.iso en en_US
dc.publisher Business Research Unit (BRU) en_US
dc.subject Cashless payments en_US
dc.subject Cost en_US
dc.subject Customer demand en_US
dc.subject Small-scale traders en_US
dc.subject Trust en_US
dc.title Assessing the factors affecting the adoption of cashless payments by small-scale traders: a case study on Sri Lanka en_US
dc.type Conference-Full-text en_US
dc.identifier.faculty Business en_US
dc.identifier.department Department of Decision Sciences, University of Moratuwa, Sri Lanka en_US
dc.identifier.year 2023 en_US
dc.identifier.conference International Conference on Business Research en_US
dc.identifier.place Moratuwa en_US
dc.identifier.pgnos pp. 1-11 en_US
dc.identifier.proceeding 6th International Conference on Business Research (ICBR 2023) en_US
dc.identifier.email karunarathnakk.20@uom.lk en_US
dc.identifier.doi https://doi.org/10.31705/ICBR.2023.6 en_US


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