HOW READY ARE PEOPLE FOR CASHLESS SOCIETY?
Journal Title: Jurnal Keuangan dan Perbankan - Year 2017, Vol 21, Issue 1
Abstract
Financial technology could be an effective tool to achieve financial inclusion. However, it needed a certain level of readiness of society. In this paper, we investigated the determinants of readiness in the implementation of digital financial services which led to the cashless society. We did a survey on 993 adults in a province in Indonesia using proportional sampling technique. Estimated using ordinary least square, our empirical results showed that readiness perception had a high correlation with the quality of supporting infrastructure. By taking into account some demographic factors, we found that more educated and younger people had a high spirit to adopt this system. Evidence showed that men were more enthusiastic in using such a technological-based system. However, we did not find evidence on the difference of readiness perception between those living in rural and those living in urban areas.
Authors and Affiliations
Irwan Trinugroho, Hunik Sri Runing Sawitri, Muhammad Juan Suam Toro, Siti Khoiriyah, Arief Budi Santoso
Keywords
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