The effect of cashless payments on the internet and mobile banking

Some of the problems cash transactions were inconvenience handling and limited availability banking services to facilitate withdrawals. The purpose this paper is examine impact cashless payments on usage internet mobile in twofolds. First, Wald test was applied determine short-run causal effect diffusion from payment banking. Second, autoregressive distributed lag (ARDL) bounds employed long-run novelty study threefold. total value transacted per month data that previously unavailable for time series analysis. unlike studies intention adopt payments, banking, used actual paid by a consumer. Third, established delivery channels payments.