The Institutionalization of „Cashless Poland”. Values, Norms, Sanctions and Grand Narrations in the SMEs’ Perspective on the Adoption of Cashless Payments

33 Pages Posted: 22 Mar 2021

See all articles by Joanna Szalacha-Jarmużek

Joanna Szalacha-Jarmużek

Nicolaus Copernicus University

Michal Polasik

Nicolaus Copernicus University

Marta Jakubowska

Nicolaus Copernicus University

Date Written: September 10, 2020

Abstract

As more and more societies are transforming into cashless economies, questions about the social nature of this transformation are arising. With this paper we present specific insights into the process of the institutionalization of cashlessness in Poland. The paper elaborates the concept that the institutional field of cashlessness emerges with the gradual expansion of interaction structure, solidification of interests, articulation of ideas and finally the creation of sanctions and norms. The paper presents the cashlessness’ institutionalization from the perspective of Small and Medium Enterprises (SMEs). To reach our objectives, we have used empirical data collected in SMEs’ sector research in Poland – 74 individual in-depth interviews with SMEs owners. The analysis is grounded in the qualitative research design and the theory of neo-institutionalism. We show that the complex impact of interlocked social interactions, financial sanctions, narrations, and norms are creating the matrix for SMEs’ decision whether to implement cashless payments into their business.

Keywords: economic sociology, institutionalism, entrepreneurship, firms, social norms, values

JEL Classification: Z1, L2

Suggested Citation

Szalacha-Jarmużek, Joanna and Polasik, Michal and Jakubowska, Marta, The Institutionalization of „Cashless Poland”. Values, Norms, Sanctions and Grand Narrations in the SMEs’ Perspective on the Adoption of Cashless Payments (September 10, 2020). Available at SSRN: https://ssrn.com/abstract=3802643 or http://dx.doi.org/10.2139/ssrn.3802643

Joanna Szalacha-Jarmużek (Contact Author)

Nicolaus Copernicus University ( email )

Lwowska Street 1
Torun, 87-100

Michal Polasik

Nicolaus Copernicus University ( email )

Gagarina 13A
Torun, 87-100
Poland
(0048) 56 611 4634 (Phone)

Marta Jakubowska

Nicolaus Copernicus University ( email )

Gagarina 11
Gagarina 13a
Torun, kujawsko-pomorskie 87-100
Poland

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