Unveiling drivers and inhibitors in cashless readiness adoption: Evidence from Batam, Indonesia
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...
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| Format: | Article |
| Language: | English |
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Universitas Islam Indonesia
2025-05-01
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| Series: | Jurnal Akuntansi dan Auditing Indonesia |
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| Online Access: | https://journal.uii.ac.id/JAAI/article/view/39401 |
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| _version_ | 1850040181242986496 |
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| author | Muhammad Ikhlash Irsutami Irsutami Thalia Afifah |
| author_facet | Muhammad Ikhlash Irsutami Irsutami Thalia Afifah |
| author_sort | Muhammad Ikhlash |
| collection | DOAJ |
| description |
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.
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| format | Article |
| id | doaj-art-ab31982ee9e24ef2a5caec38f1a40bca |
| institution | DOAJ |
| issn | 1410-2420 2528-6528 |
| language | English |
| publishDate | 2025-05-01 |
| publisher | Universitas Islam Indonesia |
| record_format | Article |
| series | Jurnal Akuntansi dan Auditing Indonesia |
| spelling | doaj-art-ab31982ee9e24ef2a5caec38f1a40bca2025-08-20T02:56:09ZengUniversitas Islam IndonesiaJurnal Akuntansi dan Auditing Indonesia1410-24202528-65282025-05-0128210.20885/jaai.vol28.iss2.art6Unveiling drivers and inhibitors in cashless readiness adoption: Evidence from Batam, IndonesiaMuhammad Ikhlash0Irsutami Irsutami1Thalia Afifah2Department of Business and Management, Politeknik Negeri Batam, Batam, IndonesiaDepartment of Business and Management, Politeknik Negeri Batam, Batam, IndonesiaDepartment of Business and Management, Politeknik Negeri Batam, Batam, Indonesia 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. https://journal.uii.ac.id/JAAI/article/view/39401Cashless ReadinessDigital PaymentTechnology Acceptance ModelTechnology Readiness Index |
| spellingShingle | Muhammad Ikhlash Irsutami Irsutami Thalia Afifah Unveiling drivers and inhibitors in cashless readiness adoption: Evidence from Batam, Indonesia Jurnal Akuntansi dan Auditing Indonesia Cashless Readiness Digital Payment Technology Acceptance Model Technology Readiness Index |
| title | Unveiling drivers and inhibitors in cashless readiness adoption: Evidence from Batam, Indonesia |
| title_full | Unveiling drivers and inhibitors in cashless readiness adoption: Evidence from Batam, Indonesia |
| title_fullStr | Unveiling drivers and inhibitors in cashless readiness adoption: Evidence from Batam, Indonesia |
| title_full_unstemmed | Unveiling drivers and inhibitors in cashless readiness adoption: Evidence from Batam, Indonesia |
| title_short | Unveiling drivers and inhibitors in cashless readiness adoption: Evidence from Batam, Indonesia |
| title_sort | unveiling drivers and inhibitors in cashless readiness adoption evidence from batam indonesia |
| topic | Cashless Readiness Digital Payment Technology Acceptance Model Technology Readiness Index |
| url | https://journal.uii.ac.id/JAAI/article/view/39401 |
| work_keys_str_mv | AT muhammadikhlash unveilingdriversandinhibitorsincashlessreadinessadoptionevidencefrombatamindonesia AT irsutamiirsutami unveilingdriversandinhibitorsincashlessreadinessadoptionevidencefrombatamindonesia AT thaliaafifah unveilingdriversandinhibitorsincashlessreadinessadoptionevidencefrombatamindonesia |