The Impact of Electronic Payment Methods on Consumer Behavior and Traditional Markets in Sudan, 2026

Abstract

This study aimed to shed light on the impact of electronic payment methods—represented by financial applications (smart apps: Bankak, Kashi, O-Cash, Fawry, and Sahel)—on consumer behavior and traditional markets in Sudan. Furthermore, it sought to determine their effect on enhancing the efficiency of these markets and to test the study hypotheses, with the goal of providing proposals and solutions to assist in the development of financial services, electronic payment methods, and optimal management of the cash economy within these markets.

The study hypothesized a statistically significant positive relationship between electronic payment methods (smart apps: Bankak, Kashi, O-Cash, Fawry, and Sahel) and consumer behavior in Sudan, and assumed that electronic payment methods have positively influenced traditional markets. The study employed the descriptive-analytical approach, as it is the most suitable for theoretical studies, alongside the case study method. Data were collected via questionnaires and analyzed using the Statistical Package for the Social Sciences (SPSS).

The most significant findings of the study revealed a statistically significant positive relationship between electronic payment methods (smart apps: Bankak, Kashi, O-Cash, Fawry, and Sahel) and consumer behavior in Sudan. The findings also indicated that electronic payment methods have a positive impact on traditional markets, and that there is a statistically significant positive relationship between electronic payment methods and the economic efficiency of traditional markets.