streams. The second study explores the impact of contactless payment on cash usage in terms of value spending and transaction … reduction in average cash usage at the POS in terms of value and volume. The negative effect of contactless credit and debit … cards on cash volume is 5% and 6%, respectively. The negative impact of contactless credit cards on cash value is estimated …

that culture is a key determinant of an individual's ethical ideology, which affects an individual’s inclination to behave … ethically. In other words, culture acts as a guideline in determining whether certain practices are appropriate and acceptable …. However, individuals in organizations also have an obligation to comply the culture in their work setting. Therefore, the …