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Evaluating Transaction Convenience of Cash and Digital Payments in Toledo City: The Role of Risk and Trust as Moderators

Bea Dela Peña, Camille Alferez, Cindy Alvarez, Rea Edzen Bacalso, Reinhardt Kester Barcenas, Natasha Marie Canillo, John Clyde Genon, Laica Mae Langi, Cirilo Adorable, Stella Marie Botanas, Jessalyn Alqueza, Jethru Botanas
Psychology and Education: A Multidisciplinary Journal · 2026-04-28 · DOI 10.70838/pemj.550908
Token #7786
✓ Verified on SciChain. The record below hashes to exactly the content hash stored on chain for token #7786.
Token#7786 of SciMatic Articles (ERC-1155), fixed supply 1,000,000
Contract0x0E596B4bb924937aA35D9b342A90347ed6F05eF8
Mint transaction0xbb1a3a32b962c170901381217f1bf521752ee084efa7daf7702844e9d72288fc · block 12110859
Minted2026-10-02 12:40 UTC
Hash on chain0x85b5a967bc1ec7e938e3f21ab0f3217b1c9b51f6a5fd720666ed93673173c51b
SHA-256 of the record0x85b5a967bc1ec7e938e3f21ab0f3217b1c9b51f6a5fd720666ed93673173c51b
Article today Matches the anchored record.

Allocation at minting

HolderWalletMintedHolds now
SciMatic (10%) 0xc35709AB…277732 100,000 100,000
Bea Dela Peña 0xee982748…B1714F 75,000 75,000
Camille Alferez 0x097a39DD…dbA44d 75,000 75,000
Cindy Alvarez 0xAfb23798…e469B3 75,000 75,000
Rea Edzen Bacalso 0xA69d444f…aa5b8E 75,000 75,000
Reinhardt Kester Barcenas 0x00EaEcE2…64AcfC 75,000 75,000
Natasha Marie Canillo 0x10333792…1C9089 75,000 75,000
John Clyde Genon 0x20AFe9ff…7f9c5b 75,000 75,000
Laica Mae Langi 0xaEb18a6f…5d60c1 75,000 75,000
Cirilo Adorable 0xE99447A2…f23134 75,000 75,000
Stella Marie Botanas 0xB3B5e6cf…175Fb2 75,000 75,000
Jessalyn Alqueza 0x79A1CaCd…e5D3D4 75,000 75,000
Jethru Botanas 0x0AB44869…12D701 75,000 75,000

The anchored record

Canonical JSON (keys sorted, no spaces, UTF-8). Its SHA-256 is the hash on chain.

{"abstract":"As digital payment systems expand their reach which creates more financial transaction methods that consumers can choose from. Cash maintains its status as a common payment option, yet digital payment systems provide benefits through their faster transaction times, their ability to reach all users, and their simple operation. The main purpose of this research was to evaluate transaction convenience in both cash and digital payment methods because the study needed to discover how perceived risk and trust influenced consumer choice and behavior. The researchers used a quantitative research design to study 377 frequent financial transactioners who participated in the study. The research team used structured survey instruments to measure three variables, which included transaction convenience, perceived risk, and trust. The researchers used correlation and regression methods to analyze the data, which showed how different variables related to each other. The findings showed that transaction convenience has a strong connection with both payment methods. Perceived risk established a moderating effect, which linked payment method with transaction convenience, while perceived trust impacted people when they decided to use digital payments. The results show that building trust together with decreasing perceived risk will help people reach their transaction convenience goals when they use new digital payment systems. Future research may explore additional factors, which include financial literacy and access to technology, because these elements will impact how people experience transaction convenience.","abstract_source":"original","authors":["Bea Dela Peña","Camille Alferez","Cindy Alvarez","Rea Edzen Bacalso","Reinhardt Kester Barcenas","Natasha Marie Canillo","John Clyde Genon","Laica Mae Langi","Cirilo Adorable","Stella Marie Botanas","Jessalyn Alqueza","Jethru Botanas"],"date":"2026-04-28","doi":"10.70838/pemj.550908","id":7786,"issue":9,"journal":{"issn":"2822-4353","name":"Psychology and Education: A Multidisciplinary Journal"},"pdf_sha256":"a02c3891e5965a1cb1f5fd4c56f042e6fd28f2070123d7d0dca7f0ef79e8ff79","schema":"scimatic-article/1","title":"Evaluating Transaction Convenience of Cash and Digital Payments in Toledo City: The Role of Risk and Trust as Moderators","volume":55}

Check it yourself

1. The record, from the token's own metadata:

printf '%s' "$(curl -s https://scimatic.org/nft/articles/7786.json | jq -r .canonical_record)" | sha256sum

2. The hash stored on chain (contentHash(7786)):

curl -s https://rpc.scimatic.net -H 'content-type: application/json' \
  -d '{"jsonrpc":"2.0","id":1,"method":"eth_call","params":[{"to":"0x0E596B4bb924937aA35D9b342A90347ed6F05eF8","data":"0xf3e0c2900000000000000000000000000000000000000000000000000000000000001e6a"},"latest"]}'

The two must be equal (the second with a 0x in front).