Influence of Cashless Payment System on Customer Convenience in Micro Enterprises

Abstract

This study determined the influence of cashless payment systems on customer convenience in microenterprises in a highly urbanized city in the Western Visayas Region during Academic Year 2025-2026. A descriptive research design was employed involving 200 customers of selected microenterprises who had experience using cashless payment systems. Respondents were selected through convenience sampling with a fixed sample size. Data were gathered using a researcher-made questionnaire that obtained an excellent validity index of 4.88 and an acceptable Cronbach's alpha reliability coefficient of .751. Frequency, percentage, mean, Mann-Whitney U test, and Kruskal-Wallis test were used for data analysis. Findings revealed that most respondents were 30 years old and above (60.00%), female (53.50%), GCash users (74.00%), and moderate users of cashless payments (60.00%). Cashless payment systems had a high-level influence on customer convenience across all dimensions: Time and Convenience (M = 4.11), Security and Trust (M = 4.04), Availability and Acceptance (M = 4.03), and Accessibility and Ease of Use (M = 4.02). Significant differences were found in Accessibility and Ease of Use when grouped by type of cashless payment platform, and in Availability and Acceptance when grouped by age and type of platform. No significant differences were found by sex and frequency of use. The study concludes that cashless payment systems enhance customer convenience by enabling faster, easier, and more reliable transactions, although connectivity, system availability, and security assurance remain important areas for improvement.