- Article
Unlocking the Cashless Shift: Retailers’ Adoption of Digital Payment Systems in Emerging Markets
- Sirajul M. Islam and
- Mario A. Ferrer
18 December 2025
Retailers play a pivotal role in advancing digital commerce in emerging markets, yet their adoption of digital payment systems remains inconsistent. Drawing on the Technology–Organization–Environment (TOE) framework, this study examines h...

