A Comparative Study of Factors Influencing Cashless Payment Adoption Among Generation X And Millennials in Malabar.

Author(s)	Mr. Midhun Krishnan P B, Dr. Seena P C
Country	India
Abstract	This research paper presents a comparative study of factors influencing cashless payment adoption among Generation X and Millennials in Malabar. Employing a descriptive research design, data was gathered via an online questionnaire from a purposively sampled 100 respondents, comprising 50 individuals each from Generation X and Millennials. The collected data was analysed using percentage analysis and independent samples t-tests. The empirical findings reveal that while both demographics exhibit high awareness of cashless payment systems, Millennials demonstrate a significantly stronger preference for cashless transactions. Furthermore, the drivers of adoption vary across generations: Millennials are primarily motivated by perceived ease of use, convenience, and security whereas Generation X is heavily influenced by social factors. Ultimately, this study has improved the understanding of adoption of cashless system among Millennials and Generation X in Malabar.
Keywords	Cashless Payment , Digital Payment ,Millennials, Generation X
Published In	Volume 8, Issue 3, May-June 2026
Published On	2026-06-09

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