Table 8 Distribution of cashless transactions’ adoption.

Variables	Full Sample	Cashless Transactions		Significance
Variables	Full Sample	Adopters	Non-Adopters	Significance
Sustainable Livelihood (SLD)	32.86	38.54	27.21	4.68^a
Growth in Living Standard (GLS)	65.34	88.32	58.33	5.22^a
Social Development (SDT)	54.28	72.31	48.62	8.31^a
Age	41.57	42.22	41.30	0.28
Gender	43.08	65.37	39.51	7.52^a
Region	29.61	33.50	47.69	0.67
Marital Status	69.38	58.34	74.28	0.81
Education	38.49	42.09	51.87	9.38^a
Household Size	05.67	04.18	06.04	0.67
Household Income	78.34	62.33	81.12	6.58^a
N	394	158	236	—

“Figures for continuous (discrete) variables are means (percentages); t-test (Pearson chi-square) for continuous (discrete) variables; a = p < 0.01.”

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