About this project
This study assesses the effect of cashless payment policies on informal sector businesses — street traders, market stalls and transport operators. It surveys operators on adoption of transfers and POS, changes in sales volume, transaction costs and customer loss, and identifies what would make digital payments work better for the informal economy.
Methodology
Survey research
Chapters 1–5 outline
Chapter 1
Introduction: background to cashless policy and the informal economy, statement of the problem (cashless policies are designed around formal businesses while most daily commerce is informal), aim and objectives, research questions, scope, significance of the study, and definition of terms.
Chapter 2
Literature Review: theoretical framework, review of related works on cashless policy and the informal economy, gaps in existing studies, and a summary positioning this project.
Chapter 3
Methodology / System Analysis and Design: survey design; structured questionnaires; descriptive and chi-square analysis. Includes data collection method, system requirements, use-case and architecture diagrams (or population, sample size, and instrument).
Chapter 4
Implementation and Results: measured effects of cashless adoption on informal business performance. Presentation of findings, testing, evaluation, and discussion of results.
Chapter 5
Summary, Conclusion and Recommendations: key findings, contribution to knowledge, limitations, and recommendations for further research.
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