{"id":"https://openalex.org/W4390954530","doi":"https://doi.org/10.1108/jstpm-10-2023-0170","title":"How does digital payment transform society as a cashless society? An empirical study in the developing economy","display_name":"How does digital payment transform society as a cashless society? An empirical study in the developing economy","publication_year":2024,"publication_date":"2024-01-17","ids":{"openalex":"https://openalex.org/W4390954530","doi":"https://doi.org/10.1108/jstpm-10-2023-0170"},"language":"en","primary_location":{"id":"doi:10.1108/jstpm-10-2023-0170","doi":"https://doi.org/10.1108/jstpm-10-2023-0170","is_oa":false,"landing_page_url":"https://doi.org/10.1108/jstpm-10-2023-0170","pdf_url":null,"source":{"id":"https://openalex.org/S4210176348","display_name":"Journal of Science and Technology Policy Management","issn_l":"2053-4620","issn":["2053-4620","2053-4639"],"is_oa":false,"is_in_doaj":false,"is_core":true,"listed_in":["abdc-c","cwts-core","jufo-1","norway-1","poland-40","russia-white-list-1"],"host_organization":"https://openalex.org/P4310319811","host_organization_name":"Emerald Publishing Limited","host_organization_lineage":["https://openalex.org/P4310319811"],"host_organization_lineage_names":["Emerald Publishing Limited"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Journal of Science and Technology Policy Management","raw_type":"journal-article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["crossref"],"open_access":{"is_oa":false,"oa_status":"closed","oa_url":null,"any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5031938325","display_name":"Mohammad Rakibul Islam Bhuiyan","orcid":"https://orcid.org/0000-0003-4284-6461","observed_orcids":["https://orcid.org/0000-0003-4284-6461"]},"institutions":[{"id":"https://openalex.org/I168889406","display_name":"Begum Rokeya University","ror":"https://ror.org/00hhr3x36","country_code":"BD","type":"education","lineage":["https://openalex.org/I168889406"]}],"countries":["BD"],"is_corresponding":false,"raw_author_name":"Mohammad Rakibul Islam Bhuiyan","raw_affiliation_strings":["Department of Management Information Systems, Begum Rokeya University, Rangpur, Bangladesh"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Department of Management Information Systems, Begum Rokeya University, Rangpur, Bangladesh","institution_ids":["https://openalex.org/I168889406"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5111113588","display_name":"Most. Sadia Akter","orcid":"https://orcid.org/0009-0000-5018-0968","observed_orcids":["https://orcid.org/0009-0000-5018-0968"]},"institutions":[{"id":"https://openalex.org/I96426537","display_name":"Bangladesh University of Professionals","ror":"https://ror.org/01zphyp78","country_code":"BD","type":"education","lineage":["https://openalex.org/I96426537"]}],"countries":["BD"],"is_corresponding":true,"raw_author_name":"Most. Sadia Akter","raw_affiliation_strings":["Department of Business Administration \u2013 General, Faculty of Business Studies (FBS), Bangladesh University of Professionals, Dhaka, Bangladesh"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Department of Business Administration \u2013 General, Faculty of Business Studies (FBS), Bangladesh University of Professionals, Dhaka, Bangladesh","institution_ids":["https://openalex.org/I96426537"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5101293156","display_name":"Saiful Islam","orcid":"https://orcid.org/0009-0002-3886-4069","observed_orcids":["https://orcid.org/0009-0002-3886-4069"]},"institutions":[{"id":"https://openalex.org/I168889406","display_name":"Begum Rokeya University","ror":"https://ror.org/00hhr3x36","country_code":"BD","type":"education","lineage":["https://openalex.org/I168889406"]}],"countries":["BD"],"is_corresponding":false,"raw_author_name":"Saiful Islam","raw_affiliation_strings":["Department of Public Administration, Begum Rokeya University, Rangpur, Bangladesh"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Department of Public Administration, Begum Rokeya University, Rangpur, Bangladesh","institution_ids":["https://openalex.org/I168889406"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":2,"corresponding_author_ids":["https://openalex.org/A5111113588"],"corresponding_institution_ids":["https://openalex.org/I96426537"],"apc_list":null,"apc_paid":null,"fwci":15.6537,"has_fulltext":false,"cited_by_count":102,"citation_normalized_percentile":{"value":0.99314969,"is_in_top_1_percent":true,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":88,"max":100},"biblio":{"volume":"16","issue":"4","first_page":"756","last_page":"774"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10068","display_name":"Technology Adoption and User Behaviour","score":0.9839000105857849,"subfield":{"id":"https://openalex.org/subfields/1802","display_name":"Information Systems and Management"},"field":{"id":"https://openalex.org/fields/18","display_name":"Decision Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10068","display_name":"Technology Adoption and User Behaviour","score":0.9839000105857849,"subfield":{"id":"https://openalex.org/subfields/1802","display_name":"Information Systems and Management"},"field":{"id":"https://openalex.org/fields/18","display_name":"Decision Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T14416","display_name":"Health, Technology, Consumer Behavior","score":0.011699999682605267,"subfield":{"id":"https://openalex.org/subfields/3605","display_name":"Health Information Management"},"field":{"id":"https://openalex.org/fields/36","display_name":"Health Professions"},"domain":{"id":"https://openalex.org/domains/4","display_name":"Health Sciences"}},{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.00139999995008111,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/digital-payment-adoption","display_name":"digital payment adoption","score":0.7540000081062317},{"id":"https://openalex.org/keywords/cashless-society","display_name":"cashless society","score":0.9959999918937683},{"id":"https://openalex.org/keywords/technology-acceptance-model","display_name":"technology acceptance model","score":0.7229999899864197},{"id":"https://openalex.org/keywords/perceived-ease-of-use","display_name":"perceived ease of use","score":0.8709999918937683},{"id":"https://openalex.org/keywords/perceived-usefulness","display_name":"perceived usefulness","score":0.9950000047683716},{"id":"https://openalex.org/keywords/perceived-security","display_name":"perceived security","score":0.800000011920929},{"id":"https://openalex.org/keywords/personal-innovativeness","display_name":"personal innovativeness","score":0.8640000224113464},{"id":"https://openalex.org/keywords/online-banking","display_name":"internet banking","score":0.7269999980926514},{"id":"https://openalex.org/keywords/bangladesh","display_name":"Bangladesh","score":0.6029999852180481},{"id":"https://openalex.org/keywords/developing-countries","display_name":"developing countries","score":0.828000009059906},{"id":"https://openalex.org/keywords/income-level","display_name":"income level","score":0.5559999942779541},{"id":"https://openalex.org/keywords/fourth-industrial-revolution","display_name":"Fourth Industrial Revolution","score":0.6209999918937683},{"id":"https://openalex.org/keywords/digital-payment-apps","display_name":"digital payment apps","score":0.5139999985694885},{"id":"https://openalex.org/keywords/fintech-regulation","display_name":"fintech regulation","score":0.31200000643730164},{"id":"https://openalex.org/keywords/financial-inclusion","display_name":"financial inclusion","score":0.46799999475479126}],"concepts":[{"id":"https://openalex.org/C145097563","wikidata":"https://www.wikidata.org/wiki/Q1148747","display_name":"Payment","level":2,"score":0.6829461455345154},{"id":"https://openalex.org/C2776185967","wikidata":"https://www.wikidata.org/wiki/Q112945","display_name":"Technology acceptance model","level":3,"score":0.5590826869010925},{"id":"https://openalex.org/C120936955","wikidata":"https://www.wikidata.org/wiki/Q2155640","display_name":"Empirical research","level":2,"score":0.5391725301742554},{"id":"https://openalex.org/C2778137410","wikidata":"https://www.wikidata.org/wiki/Q2732820","display_name":"Government (linguistics)","level":2,"score":0.535631000995636},{"id":"https://openalex.org/C2776983043","wikidata":"https://www.wikidata.org/wiki/Q986008","display_name":"Payment system","level":3,"score":0.49009478092193604},{"id":"https://openalex.org/C83864248","wikidata":"https://www.wikidata.org/wiki/Q177323","display_name":"Developing country","level":2,"score":0.48646971583366394},{"id":"https://openalex.org/C158830683","wikidata":"https://www.wikidata.org/wiki/Q1411457","display_name":"Transfer payment","level":3,"score":0.4806326925754547},{"id":"https://openalex.org/C71104824","wikidata":"https://www.wikidata.org/wiki/Q1476639","display_name":"Structural equation modeling","level":2,"score":0.4795617461204529},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.4760061204433441},{"id":"https://openalex.org/C162853370","wikidata":"https://www.wikidata.org/wiki/Q39809","display_name":"Marketing","level":1,"score":0.4407106637954712},{"id":"https://openalex.org/C185822510","wikidata":"https://www.wikidata.org/wiki/Q1956140","display_name":"Payment service provider","level":3,"score":0.429871529340744},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.29604992270469666},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.25605133175849915},{"id":"https://openalex.org/C170130773","wikidata":"https://www.wikidata.org/wiki/Q216378","display_name":"Usability","level":2,"score":0.21549487113952637},{"id":"https://openalex.org/C50522688","wikidata":"https://www.wikidata.org/wiki/Q189833","display_name":"Economic growth","level":1,"score":0.2084636092185974},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.1725606620311737},{"id":"https://openalex.org/C105795698","wikidata":"https://www.wikidata.org/wiki/Q12483","display_name":"Statistics","level":1,"score":0.08844262361526489},{"id":"https://openalex.org/C107457646","wikidata":"https://www.wikidata.org/wiki/Q207434","display_name":"Human\u2013computer interaction","level":1,"score":0.0},{"id":"https://openalex.org/C138885662","wikidata":"https://www.wikidata.org/wiki/Q5891","display_name":"Philosophy","level":0,"score":0.0},{"id":"https://openalex.org/C34447519","wikidata":"https://www.wikidata.org/wiki/Q179522","display_name":"Market economy","level":1,"score":0.0},{"id":"https://openalex.org/C100243477","wikidata":"https://www.wikidata.org/wiki/Q12002092","display_name":"Welfare","level":2,"score":0.0},{"id":"https://openalex.org/C119857082","wikidata":"https://www.wikidata.org/wiki/Q2539","display_name":"Machine learning","level":1,"score":0.0},{"id":"https://openalex.org/C41895202","wikidata":"https://www.wikidata.org/wiki/Q8162","display_name":"Linguistics","level":1,"score":0.0},{"id":"https://openalex.org/C33923547","wikidata":"https://www.wikidata.org/wiki/Q395","display_name":"Mathematics","level":0,"score":0.0}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.1108/jstpm-10-2023-0170","doi":"https://doi.org/10.1108/jstpm-10-2023-0170","is_oa":false,"landing_page_url":"https://doi.org/10.1108/jstpm-10-2023-0170","pdf_url":null,"source":{"id":"https://openalex.org/S4210176348","display_name":"Journal of Science and Technology Policy Management","issn_l":"2053-4620","issn":["2053-4620","2053-4639"],"is_oa":false,"is_in_doaj":false,"is_core":true,"listed_in":["abdc-c","cwts-core","jufo-1","norway-1","poland-40","russia-white-list-1"],"host_organization":"https://openalex.org/P4310319811","host_organization_name":"Emerald Publishing Limited","host_organization_lineage":["https://openalex.org/P4310319811"],"host_organization_lineage_names":["Emerald Publishing Limited"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Journal of Science and Technology Policy Management","raw_type":"journal-article"}],"best_oa_location":null,"sustainable_development_goals":[{"display_name":"Industry, innovation and infrastructure","id":"https://metadata.un.org/sdg/9","score":0.5378999710083008}],"study_designs":[{"display_name":"Observational Study","id":"https://openalex.org/study-designs/observational-study"}],"awards":[],"funders":[],"has_content":{"grobid_xml":false,"pdf":false},"content_urls":null,"referenced_works_count":51,"referenced_works":["https://openalex.org/W1559731227","https://openalex.org/W1579426064","https://openalex.org/W1587653675","https://openalex.org/W1791587663","https://openalex.org/W1904363115","https://openalex.org/W1970012040","https://openalex.org/W1972306754","https://openalex.org/W1973313927","https://openalex.org/W1982057680","https://openalex.org/W1987198869","https://openalex.org/W1995064890","https://openalex.org/W1998059134","https://openalex.org/W2006912789","https://openalex.org/W2024255775","https://openalex.org/W2085509128","https://openalex.org/W2099781171","https://openalex.org/W2100379340","https://openalex.org/W2110506823","https://openalex.org/W2162739331","https://openalex.org/W2287207173","https://openalex.org/W2330009739","https://openalex.org/W2343703530","https://openalex.org/W2740904601","https://openalex.org/W2800775830","https://openalex.org/W2806207372","https://openalex.org/W2806967268","https://openalex.org/W2899367643","https://openalex.org/W2910687856","https://openalex.org/W2914114913","https://openalex.org/W2941044597","https://openalex.org/W2946937192","https://openalex.org/W2951385604","https://openalex.org/W2981906957","https://openalex.org/W2992933304","https://openalex.org/W3011623508","https://openalex.org/W3025096376","https://openalex.org/W3089157728","https://openalex.org/W3124748957","https://openalex.org/W3125882284","https://openalex.org/W3131249154","https://openalex.org/W3134243331","https://openalex.org/W3134465114","https://openalex.org/W3163312000","https://openalex.org/W3191222334","https://openalex.org/W4220830508","https://openalex.org/W4226068053","https://openalex.org/W4296538514","https://openalex.org/W4306881582","https://openalex.org/W4379472976","https://openalex.org/W4379512560","https://openalex.org/W4383105983"],"related_works":["https://openalex.org/W4409199681","https://openalex.org/W7202371464","https://openalex.org/W7125636268","https://openalex.org/W4415958188","https://openalex.org/W7213319230","https://openalex.org/W7221563889","https://openalex.org/W3137908448","https://openalex.org/W7215186643","https://openalex.org/W4411866452","https://openalex.org/W4393160709"],"abstract_inverted_index":{"Purpose":[0],"After":[1],"analyzing":[2],"these":[3,30],"uncountable":[4],"benefits":[5],"of":[6,88,96,129,143,238,248,279,287,341,422,470],"digital":[7,82,98,108,239,263,280,288,364,372,397,434],"or":[8],"cashless":[9,45,72,116,297,319,409,437],"payment,":[10],"many":[11],"European":[12],"countries":[13,413],"like":[14,414],"Sweden,":[15],"Finland":[16],"and":[17,81,146,157,171,189,227,251,358,389,441,455,466],"Canada":[18],"has":[19,36,330,343],"been":[20,331],"trying":[21],"to":[22,40,105,126,187,203,232,292,313,387,392,417,419,431,453],"convert":[23],"their":[24],"payment":[25,61,83,99,240,264,281,289,365,373,398],"system":[26,62],"into":[27,114,295],"cashless.":[28],"Following":[29],"developed":[31],"countries,":[32],"the":[33,53,58,65,86,111,141,178,191,198,205,209,217,234,277,285,300,307,315,328,348,420,423,428,450,463,467,471],"Bangladesh":[34,440],"Government":[35],"taken":[37],"a":[38,44,71,115,127,255,296,318,335],"decision":[39],"transfer":[41],"society":[42,46,117,294,298,438],"as":[43,200,202],"by":[47],"using":[48],"information":[49,80],"technologies":[50],"for":[51,69,140,174,197],"adopting":[52,97,262],"fourth":[54],"industrial":[55],"revolution":[56],"over":[57],"world.":[59],"Digital":[60],"is":[63,185,427,459],"among":[64],"various":[66],"options":[67],"available":[68],"transforming":[70],"society.":[73,320],"First,":[74],"this":[75,102,426],"empirical":[76],"study":[77,92,103,123,215,243,268,322,353,430,448],"presents":[78],"demographic":[79],"characteristics":[84],"on":[85,258,325],"basis":[87],"income":[89],"levels.":[90],"This":[91,213,242,321,352,457],"identifies":[93],"influential":[94],"factors":[95,237,362],"systems.":[100,241,399],"Finally,":[101],"aims":[104],"justify":[106],"how":[107,406,433],"payments":[109,435],"transform":[110,293],"Bangladeshi":[112,131],"economy":[113],"in":[118,136,153,160,299,411,439,462],"developing":[119,412],"countries.":[120],"Design/methodology/approach":[121],"The":[122,183,267,339,447],"was":[124,181],"administered":[125],"sample":[128],"1,000":[130],"customers":[132],"who":[133],"had":[134],"engaged":[135],"online":[137],"banking":[138],"transactions":[139],"purpose":[142],"acquiring":[144],"items":[145],"services":[147],"through":[148],"both":[149],"social":[150],"media":[151],"platforms":[152],"Google":[154],"Form":[155],"format":[156],"face-to-face":[158],"interactions":[159],"hard":[161],"copy":[162],"format.":[163],"Among":[164],"these,":[165],"647":[166],"questions":[167],"were":[168,172],"deemed":[169],"usable":[170],"used":[173,186],"data":[175,329],"analysis,":[176],"where":[177],"response":[179],"rate":[180],"68%.":[182],"SmartPLS":[184],"create":[188],"validate":[190],"structural":[192],"equation":[193],"modeling":[194],"model":[195,221,452],"presented":[196],"research,":[199],"well":[201],"evaluate":[204],"hypothesized":[206],"correlations":[207],"between":[208],"different":[210,379],"constructs.":[211],"Findings":[212],"cross-sectional":[214],"conducted":[216],"extended":[218,449],"technology":[219],"acceptance":[220],"(TAM)":[222],"with":[223,378],"perceived":[224,246,252],"security":[225],"(PS)":[226],"personal":[228],"innovation":[229],"(PI)":[230],"variables":[231,310],"identify":[233],"influencing":[235],"adoption":[236,278,286,340],"finds":[244],"that":[245,271,375],"ease":[247],"use,":[249],"PI":[250],"usefulness":[253],"have":[254,381,404],"favorable":[256],"impact":[257],"individuals\u2019":[259],"attitudes":[260,395],"toward":[261,317,396],"methods":[265],"(DPMs).":[266],"also":[269,460],"indicated":[270],"PS":[272,454],"did":[273],"not":[274],"influence":[275],"negatively":[276],"system.":[282],"Besides":[283],"this,":[284],"will":[290],"help":[291,355],"future.":[301],"Research":[302],"limitations/implications":[303],"Increasingly":[304],"prevalent":[305,346],"across":[306,347],"nation.":[308,349],"Several":[309],"are":[311,376,384],"required":[312],"facilitate":[314],"transition":[316],"exclusively":[323,333],"focuses":[324],"DPMs.":[326],"Additionally,":[327],"obtained":[332],"from":[334],"single":[336],"urban":[337],"area.":[338,473],"DPMs":[342,407],"become":[344],"increasingly":[345],"Practical":[350],"implications":[351,401],"would":[354],"policymakers,":[356],"marketers":[357],"bankers":[359],"understand":[360],"which":[361],"affect":[363,408,436],"infrastructure":[366],"expansion.":[367],"So,":[368],"they":[369],"can":[370],"produce":[371],"apps":[374],"compatible":[377],"devices,":[380],"fast":[382],"transactions,":[383],"user-friendly,":[385],"easy":[386],"use":[388],"highly":[390],"secure":[391],"maintain":[393],"good":[394],"Social":[400],"Few":[402],"studies":[403],"examined":[405],"societies":[410],"Bangladesh.":[415],"According":[416],"researchers,":[418],"best":[421],"authors\u2019":[424],"knowledge,":[425],"first":[429],"explore":[432],"raise":[442],"awareness":[443],"about":[444],"it.":[445],"Originality/value":[446],"TAM":[451],"PI.":[456],"paper":[458],"unique":[461],"conceptual":[464],"arguments":[465],"subject":[468],"theme":[469],"research":[472]},"counts_by_year":[{"year":2026,"cited_by_count":26},{"year":2025,"cited_by_count":36},{"year":2024,"cited_by_count":39},{"year":2023,"cited_by_count":1}],"updated_date":"2026-11-07T11:25:07.637180","created_date":"2024-01-18T00:00:00"}