Cashless Muslim Society Transformation Strategy
DOI:
https://doi.org/10.54471/iqtishoduna.v14i1.2873Keywords:
cashless society transformation, muslim user acceptance, behavioral influences, theoretical framework, community-based approachAbstract
This study delves into the strategic transformation of Muslim communities into cashless societies, with a specific focus on the determinants of user acceptance and behavioral influences. Embracing a comprehensive approach, the research thoroughly examines existing literature, unraveling the inherent complexities of this societal shift. Meticulous detailing of key findings captures the factors shaping user acceptance within the context of a theoretical model situated in a broader conceptual framework. The research methodology employs tailored open-ended questions to explore Muslim user acceptance, ensuring meticulous transcription and in-depth analysis of interview data for result reliability. The outcomes highlight dynamics at play, challenging conventional assumptions by underscoring the significance of pull factors in driving acceptance. Implications derived from this research offer actionable insights for practitioners and contribute substantively to the existing literature on Muslim societal transformation. The findings affirm the relevance of the adopted theoretical framework, providing a lens through which to interpret and navigate evolving Muslim consumer behavior in the transition toward cashless societies.
Downloads
References
Abdullah, N., Redzuan, F., & Daud, N. (2020). E-wallet: factors influencing user acceptance towards cashless society in Malaysia among public universities. Indonesian Journal of Electrical Engineering and Computer Science, 20(1), 67. https://doi.org/10.11591/ijeecs.v20.i1.pp67-74
Ahmeti, F., & Zeqiri, N. (2022). Switching from cash to cashless payments: consumer behavior evidence from Kosovo. Journal of Liberty and International Affairs, 8(2), 61-74. https://doi.org/10.47305/jlia2282061a
Allam, Z. (2020). The forceful reevaluation of cash-based transactions by COVID-19 and its opportunities to transition to cashless systems in digital urban networks. 107-117. https://doi.org/10.1016/b978-0-12-824313-8.00008-5
Braun, V., & Clarke, V. (2006). Using thematic analysis in psychology. Qualitative Research in Psychology, 3(2), 77-101.
Chairunnisa, S., Alfina, A., & Yasmin, A. (2020). Observing micro, small, and medium enterprises (MSMEs) readiness to support cashless society. The Winners, 21(2). https://doi.org/10.21512/tw.v21i2.6722
Davis, F. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly, 13(3), 319. https://doi.org/10.2307/249008
Dimitrova, I., & Yazdanfar, D. (2021). Barriers to bank customers’ intention to fully adopt digital payment methods. International Journal of Quality and Service Sciences, 14(5), 16-36. https://doi.org/10.1108/ijqss-03-2021-0045
Elgazouly, M., AbdelAziz, G., & Abdelgawad, D. (2022). Toward a cashless economy: exploring drivers of mobile wallets adoption from consumers’ and service providers’ perspectives. The Academic Journal of Contemporary Commercial Research, 2(3), 75-98. https://doi.org/10.21608/ajccr.2022.277219
Felix, U., Rebecca, U., & Igbinoba, O. (2015). Appraisal of the impact of e-banking and cashless society in the Nigerian economy. Management and Economics Research Journal, 01, 34. https://doi.org/10.18639/merj.2015.01.162936
Fontana, A., & Frey, J. H. (2005). The interview. The Sage Handbook of Qualitative Research, 3, 695-727.
Goh, Q., & Nguyen, L. (2022). Determining factors that influence consumer behaviour intention to use cashless payment in Malaysia. 31-51. https://doi.org/10.2991/978-94-6463-080-0_4
Hidayah, N., Waspada, I., & Sari, M. (2023). The dynamics of cashless society: a systematic review. Advanced International Journal of Business Entrepreneurship and SMEs, 5(15), 07-16. https://doi.org/10.35631/aijbes.515002
Huntington, H., Begossi, A., Gearheard, S., Kersey, B., Loring, P., Mustonen, T., … & Vave, R. (2017). How small communities respond to environmental change: patterns from tropical to polar ecosystems. Ecology and Society, 22(3). https://doi.org/10.5751/es-09171-220309
Istijanto, N., & Handoko, I. (2022). Customers’ continuance usage of mobile payment during the COVID-19 pandemic. Spanish Journal of Marketing - ESIC, 26(3), 345-362. https://doi.org/10.1108/sjme-02-2022-0016
JosephNg, P., Eaw, H., & Musallam, A. (2021). Provoking mobile payment actual usage behaviour in the Middle East. https://doi.org/10.20944/preprints202109.0328.v1
Krueger, R. A., & Casey, M. A. (2015). Focus group interviewing. Handbook of Practical Program Evaluation, 506-534.
Lai, P., & Liew, E. (2021). Towards a cashless society: the effects of perceived convenience and security on gamified mobile payment platform adoption. Australasian Journal of Information Systems, 25. https://doi.org/10.3127/ajis.v25i0.2809
Lee, H. (2022). Transforming into a cashless world: factors driving brand loyalty of Touch ‘n Go e-wallet in Malaysia. International Journal of Accounting & Finance in Asia Pacific, 5(3), 39-49. https://doi.org/10.32535/ijafap.v5i3.1873
Liao, J., Li, M., Wei, H., & Tong, Z. (2021). Antecedents of smartphone brand switching: a push–pull–mooring framework. Asia Pacific Journal of Marketing and Logistics, 33(7), 1596-1614. https://doi.org/10.1108/apjml-06-2020-0397
Loh, X., Lee, V., Tan, G., Ooi, K., & Dwivedi, Y. (2020). Switching from cash to mobile payment: what's the hold-up? Internet Research, 31(1), 376-399. https://doi.org/10.1108/intr-04-2020-0175
Lu, M., & Kosim, Z. (2022). An empirical study to explore the influence of the COVID-19 crisis on consumers' behaviour towards cashless payment in Malaysia. Journal of Financial Services Marketing. https://doi.org/10.1057/s41264-022-00182-9
Quinn, C., Ziervogel, G., Taylor, A., Takama, T., & Thomalla, F. (2011). Coping with multiple stresses in rural South Africa. Ecology and Society, 16(3). https://doi.org/10.5751/es-04216-160302
Rahman, H., & Hassan, R. (2022). Factors influencing cashless transactions behaviour in Malaysia higher education institution. International Journal of Academic Research in Business and Social Sciences, 12(10). https://doi.org/10.6007/ijarbss/v12-i10/15451
Raj, L., Amilan, S., & Aparna, K. (2021). Role of perceived countries’ advantages of cashless economy in behavioral intentions of using cashless transactions: an empirical analysis. Journal of Indian Business Research, 13(3), 413-433. https://doi.org/10.1108/jibr-06-2020-0186
Ramadhani, G., Astuti, M., & Nasirun, N. (2022). The influence of compatibility and technology acceptance model toward intention to use e-wallet during COVID-19. European Journal of Business Management and Research, 7(5), 148-154. https://doi.org/10.24018/ejbmr.2022.7.5.1585
Ridwan, R., Abdullah, S., & Yusmita, F. (2022). Implementation of cashless policy strategies to minimize fraud in the government sector: systemic review. Jurnal Akuntansi, 12(3), 181-201. https://doi.org/10.33369/jakuntansi.12.3.181-201
Roberts, R. E. (2020). Qualitative Interview Questions: Guidance for Novice Researchers. Qualitative Report, 25(9).
Rubin, H. J., & Rubin, I. S. (2011). Qualitative interviewing: The art of hearing data. Sage.
Septech, J., Socatiyanurak, M., & Socatiyanurak, V. (2023). Cashless economy: the behavior of using e-payment in Thailand. Parichart Journal Thaksin University, 36(1), 231-248. https://doi.org/10.55164/pactj.v36i1.259344
Thaker, H., Subramaniam, N., Qoyum, A., & Hussain, H. (2022). Cashless society, e‐wallets and continuous adoption. International Journal of Finance & Economics, 28(3), 3349-3369. https://doi.org/10.1002/ijfe.2596
Xia, H., Gao, Y., & Zhang, J. (2023). Understanding the adoption context of China’s digital currency electronic payment. Financial Innovation, 9(1). https://doi.org/10.1186/s40854-023-00467-5
Yilmaz, E., & Öngel, V. (2021). Cashless society process and determining the payment card usage preferences of corporate banking customers. Nevşehir Hacı Bektaş Veli Üniversitesi Sbe Dergisi, 11(2), 648-666. https://doi.org/10.30783/nevsosbilen.914922
Yu, S., & Chen, D. (2022). Consumers’ switching from cash to mobile payment under the fear of COVID-19 in Taiwan. Sustainability, 14(14), 8489. https://doi.org/10.3390/su14148489
Yusfiarto, R., Sunarsih, S., & Darmawan, D. (2021). Understanding Muslim’s switching from cash to m-payments: based on push-pull-mooring framework. Journal of Islamic Marketing, 14(2), 342-365. https://doi.org/10.1108/jima-05-2021-0135
Yusoff, N., Sarifin, M., & Abidin, A. (2022). Factors influencing practice of cashless purchase during COVID-19 movement control order (MCO) in Malaysian society. International Journal of Academic Research in Business and Social Sciences, 12(1). https://doi.org/10.6007/ijarbss/v12-i1/11613
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2025 Ramadhan Harahap, Andri Soemitra, Muhammad Ridwan

This work is licensed under a Creative Commons Attribution 4.0 International License.
The journal can be accessed publicly, which means that all content is provided freely accessible without charge to either the user or the institution. Users are allowed to read, download, copy, distribute, print, search, or cite to the full text of the article did not have to ask permission from the publisher or author.