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Unveiling drivers and inhibitors in cashless readiness adoption: Evidence from Batam, Indonesia

Year: 2025

Type: article

Abstract: Cashless readiness reflects a society's preparedness to adopt digital payments over cash transactions. This study investigates key factors influencing cashless adoption in Batam, Indonesia, using the Technology Readiness Index 2.0 and the Technology Acceptance Model. A quantitative survey was conducted with 400 valid responses. Statistical analysis reveals that ease of use did not significantly impact readiness. However, usefulness, optimism, innovativeness, and lack of awareness significantly affected readiness. Additionally, readiness strongly influenced adoption. These findings suggest that addressing awareness barriers while promoting innovation and optimism can enhance cashless adoption. Policymakers should prioritize financial education programs, and service providers should improve accessibility and user experience to encourage digital payment use.

Source: Jurnal Akuntansi & Auditing Indonesia

DOI: 10.20885/jaai.vol28.iss2.art6

Authors: Muhammad Ikhlash, Irsutami Irsutami, Thalia Afifah

Institution: Politeknik Negeri Batam

Language: English

Topic: Technology Adoption and User Behaviour

Subfield: Information Systems and Management

Field: Decision Sciences

Domain: Social Sciences

SDGs: Decent work and economic growth, Industry, innovation and infrastructure

Open Access status: gold

Estimated APC paid: $131