This study focused on the assessment of GCash utilization among cafes in Santa Cruz, Laguna. It specifically examined the challenges in utilizing GCash transactions on business operations, focusing on internal challenges such as recording error, employee fraud, and misuse of funds, as well as external challenges such as transaction fee, security risk, and technical error. Moreover, this study examined the effect of challenges in utilizing GCash transactions on cash flow, particularly in terms of inflow and outflow, and determined the significant difference between the business profiles of 60 cafes in Santa Cruz, Laguna. To address gaps in current studies regarding the assessment of GCash utilization, the study employed a quantitative method approach guided by the Diffusion of Innovation Theory and the Unified Theory of Acceptance and Use of Technology. Quantitative data were analyzed using frequency and percentage, weighted mean, standard deviation, and T-tests. The results revealed that there is no significant difference between the business profile and the challenges in utilizing GCash transactions among cafes, as gathered through a self-designed survey questionnaire. Based on these findings, recommendations were made focusing on the need for a proposed cash management program, collaboration with GCash service providers, and further research within the context of this study.

Security Risk

GCash

Internal Challenges

External Challenges

Recording Error

Employee Fraud

Misuse of Funds

Transaction Fee

Security Risk

Technical Error

Cash Flow