The paper investigated the relationship between readiness towards a cashless society and adoption of cashless applications among Malaysians. Specifically, drivers and inhibitors were explored and examined to assess their direct and indirect effects through the development of the Cashless Society Readiness-Adoption model. The model was developed based on Unified Theory of Acceptance and Use of Technology 2 and Technology Readiness Index 2.0. Self-administered surveys were administered in online and offline modes, resulting in 258 valid responses (M_age = 34.5; SD_age = 7.82). Structured equation modelling revealed Ease of Use, Usefulness, Innovativeness, Optimism and Lack of awareness to directly affect users’ readiness in going cashless. Interestingly, perceived readiness had no direct effect in the adoption of digital payment services, however, the effect was found to be significant with the inclusion of risk and intrinsic motivation as the mediating factors. Similarities and dissimilarities with existing studies are discussed in this paper. Results would be beneficial to respective parties such as service providers, financial institutions and government agencies to develop and design strategies to encourage more people to embrace digital payment services effectively.

该论文调查了准备进入无现金社会与马来西亚人采用无现金申请之间的关系。具体来说，通过开发无现金社会准备采用模型，对驱动程序和抑制因素进行了研究和检查，以评估其直接和间接影响。该模型是根据统一的技术接受和使用理论2和技术就绪指数2.0开发的。自我管理的调查以在线和离线模式进行管理，共获得258次有效回复（M_年龄 = 34.5； SD_年龄 = 7.82）。结构化的方程建模显示了易用性，实用性，创新性，乐观性和缺乏意识，直接影响了用户无现金准备的程度。有趣的是，已准备就绪对采用数字支付服务没有直接影响，但是，在将风险和内在动机作为中介因素的情况下，这种影响是显着的。本文讨论了与现有研究的异同。结果将有利于服务提供商，金融机构和政府机构等各方开发和设计策略，以鼓励更多的人有效地使用数字支付服务。