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Cashless Society in Thailand

The technology development has had both positive and negative disruptive effects on contemporary lifestyle. We therefore investigated the factors influencing access to the cashless society and consumers’ reasons for deciding not to use electronic payment, including lack of confidence in the security and/or confidentiality of personal information. Data were collected from five regions of Thailand using a questionnaire. Quota sampling was used to collect data from 200 respondents in each area (N=1,000). There were 66 respondents who did not use electronic payment, but the remaining 934 cases were used to test the hypotheses through multivariate analysis of variance (MANOVA). The results showed that age, education, income and the use of the internet were associated with access to the cashless society significantly. This study found that the knowledge of electronic payments has led to the adoption of new forms of financial services that are safe and easy to use. We conclude that digital business including finance and banking sector that may disrupt and benefit for cashless society must be participated in promoting people such as the elderlies, who are often slow to respond to technological adoption about electronic payment methods to access the cashless society.