研究人员收集了市场上不同来源的信息，了解了人们关于无现金支付的知识和经验。世界上大多数发达国家都接受了网上交易，以采取重大措施打击腐败(宋先生，aw哮喘和Lee,2017)。在无现金交易的情况下，每个活动都有明确的证据。另一方面，在现金支付方面没有结构性证据。在没有任何证据的情况下，腐败的机会总是存在的，因此，大多数国家的政府都采取了行动，以向无现金支付的方向发展。现金支付模式对每个客户都很容易。客户只需要记住密码(Appiah,Mawutor和owusu – dankwa,2016)。首先,中国的老人和没有经验的人面临的问题关于EDC的ATM交易和交易,但在目前市场平均70%老年人使用借记卡和信用卡,很明显,中国的大多数人也接受了无现金支付系统,但付款方式和交易方式的老年人和年轻人都是不同的(唱,Awasthi和李,2017)。老年人更喜欢现金支付的借记卡和信用卡，而中国大多数年轻人使用智能手机使用在线支付、钱包和手机银行。很明显，中国人对无现金支付系统的反应是非常有效的(Goyal,2017)。
The researchers gathered the information from the various sources in the market about the knowledge and experience of the people regarding the cashless payments. Most of the developed countries in the world accepted the online transaction to take major steps against the corruption (Sung, Awasthi and Lee, 2017). In case of the cashless transaction, a clear evidence for every activity is there. On the other hand, there is no structural evidence in case of cash payments. Without any evidence, chances of corruption always will be there, and for that reason, the governments of most of the countries take the decision with an aim to move towards the cashless payments. The cashless payment mode is very easy to each and every customer. The customers only need to remember the password (Appiah, Mawutor and Owusu-Dankwa, 2016). At first, the old people and the inexperienced people of the China faced the problems regarding the ATM transaction and for the EDC transaction but in the present market average 70 percent old people are using the debit and credit cards so that it is clear that most people of the China also accepted the cashless payment system but the payment modes and transaction modes of the older people and the younger people are different (Sung, Awasthi and Lee, 2017). The older people are more prefer the debit and credit cards for the cashless payments and most of the younger people in China are using the online payment, wallets and the mobile banking by using their smart phones. It is clear that the response of the Chinese with a view to the cashless payment system is very effective (Goyal, 2017).