Mikylla A. Aros

From Cash to GCash: The Adoption of Digital Payment Systems and Its Perceived Benefits among Partner Merchants in Santo Tomas, Davao Del Norte

Mikylla A. Aros, Jessica A. Oniot, Ronald E. Almagro & HELARIA B. CARMONA · South Asian Journal of Social Studies and Economics · 2026

A digital payment system can be defined as an electronic solution that allows conducting transactions without using cash and, as such, provides convenience, efficiency, and security in business activities. This paper found the strong association between the use of the digital pay...