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Journal articles on the topic 'Debit cards'

Author: Grafiati

Published: 4 June 2021

Last updated: 25 July 2025

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1

Yusuf, Dina Yuliana, and Sony Kristiyanto. "Transaksi Digital Perbankan dan Dampaknya dengan Perekonomian Indonesia." Economie: Jurnal Ilmu Ekonomi 3, no. 2 (2022): 138. http://dx.doi.org/10.30742/economie.v3i2.1815.

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The process of analyzing the effect of short-term and long-term non-cash payment systems on economic growth in Indonesia in the form of P.D.B. Non-cash payment systems are represented by debit/debit cards, credit cards/credit cards and electronic money/e-money using time series data (January 2010 – December 2020) with E.C.M.(Error Correction Model). The conclusion obtained shows that the transaction volume of debit/debit cards, credit cards/credit cards and electronic money/e-money in the short term/short term has no effect on economic growth in Indonesia and the volume of card transactions in

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2

Hoang, Dung Phuong, and Thong Huy Vu. "A transaction cost explanation of the card-or-cash decision among Vietnamese debit card holders." International Journal of Bank Marketing 38, no. 7 (2020): 1635–64. http://dx.doi.org/10.1108/ijbm-05-2019-0191.

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PurposeThis research provides a new perspective in explaining cardholders' willingness to use debit cards instead of cash by applying the transaction costs economic theory. This study also expands the adaptation of transaction cost economics theory in explaining consumer behaviour by investigating the moderating effects of income and education level on the relationship between perceived transaction costs and willingness to use debit cards.Design/methodology/approachThe conceptual framework was developed primarily from the transaction cost economics theory. An in-depth interview method was empl

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3

Mashabi, M., and Wasiaturrahma Wasiaturrahma. "ELECTRONIC BASED PAYMENT SYSTEMS AND ECONOMIC GROWTH IN INDONESIA." Jurnal Ilmu Ekonomi Terapan 6, no. 1 (2021): 97. http://dx.doi.org/10.20473/jiet.v6i1.26287.

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This research aims to analyze the effect of electronic payment systems based on credit cards, debit cards, and electronic money, as well as macroeconomic variables namely the money supply (M1), price level, and velocity of money towards real gross domestic product as a proxy for economic growth. The estimation carried out in this journal uses the Vector Error Correction Model (VECM) with period time series data of 2010:1-2018:12. The results of the journal show that doing debit card and electronic money-based transactions has a significant positive effect on economic growth in Indonesia in the

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Fatmasari, Dewi, Waridin, Akhmad Syakir Kurnia, and Rizaldi amin. "Use of E-Money and Debit Cards in Student Consumption Behavior." E3S Web of Conferences 125 (2019): 03013. http://dx.doi.org/10.1051/e3sconf/201912503013.

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IAIN Sharia Banking Student Sheikh Nurjati consumes high students, but in conducting transactions students are less in utilizing electronic money and debit card facilities in daily activities so that the problem is how the e-money and e-money are used. the use of debit cards against student consumption expenses. This system of payment transactions using electronic money and debit cards will affect a person's behavior in spending or consumption behavior. This study aims to investigate the use of e-money and debit cards in consumption expenditures and how it affects the consumption expenditure.

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Oktaviyanti Panjaitan, Lystia, and Nurbetty Herlina Sitorus. "Analisis Pengaruh Transaksi Non Tunai Terhadap Peredaran Uang Tunai di Indonesia." Jurnal Indonesia Sosial Teknologi 3, no. 10 (2022): 1117–30. http://dx.doi.org/10.36418/jist.v3i10.521.

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This study aims to determine the effect of non-cash payment instruments on cash circulation, analyze variables that affect the decline in cash use in Indonesia such as ATM/debit, credit cards, e-money and mobile banking. This study uses secondary data in the form of time series and the model used in this study is the ECM approach to determine the correlation between ATM/debit cards, credit cards, e-money and digital banking on cash circulation. The results showed that ATM/debit cards have a significant positive effect on cash circulation in the long and short term. In the long and short term c

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Ulfah, Cut Farah, and Suriani Suriani. "Digital Economy Dynamics: How E-Money, Debit Cards, Inflation, and Exchange Rates Shape Money Demand Stability in Indonesia." Grimsa Journal of Business and Economics Studies 2, no. 1 (2024): 39–51. https://doi.org/10.61975/gjbes.v2i1.37.

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In the current era, technological advances are developing rapidly, one of which is e-banking through a non-cash payment system that uses APMK (Payment Tools Using Cards) in Indonesia. This study aims to analyze the effect of electronic money, debit cards, inflation, and exchange rates on the stability of money demand in Indonesia and the causal relationship between each variable. This research uses the ARDL (Autoregressive Distributed Lag) model for the period January 2009 - November 2023. The findings show that electronic money has a negative effect on the demand for money in the short term,

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Damayanti, Rika, Rinaldi Syahputra, and Nurjannah. "effect of non-cash payment transactions on economic growth: Evidence from Indonesia." International Journal of Advances in Social Sciences 1, no. 1 (2024): 24–30. http://dx.doi.org/10.62941/ijass.v1i1.13.

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This study aims to see how the development of non-cash transaction activities that occur in society using debit cards, credit cards, and e-money as independent variables in this study. This type of research uses a quantitative data approach, and the data is secondary data sourced from Statistics Indonesia and Bank Indonesia publications from 2009 to 2021. The analysis method used in this research is multiple linear regression. The analysis results show that the debit card variable has a positive and significant effect on economic growth, and credit cards have a positive and significant effect

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8

Worthington, Steve. "Debit cards and fraud." International Journal of Bank Marketing 27, no. 5 (2009): 400–402. http://dx.doi.org/10.1108/02652320910979906.

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Dolly E. Hinayon. "Diffusion of Cashless Payment as Medium of Exchange in ASEAN Nations." Journal of Educational and Human Resource Development (JEHRD) 8 (November 11, 2020): 71–79. http://dx.doi.org/10.61569/kand3n67.

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ASEAN countries are heading toward a cashless economy. Credit cards and debit cards are the major platforms of cashless payment. These platforms diffuse at a faster rate. Bass Diffusion Model was utilized to analyze and estimate the rate of the diffusion of credit cards and debit cards. The data was derived from the percentage of individuals aged 15+ who have a credit card and/or debit card in the years 2011, 2014 and 2017. Data was derived from seven ASEAN member countries: Singapore, Malaysia, Thailand, Philippines, Indonesia, Vietnam and Cambodia. Results showed that countries like Singapor

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Mosha, Ms Haika, Dr Nyanjige Mayala, and Dr Hezron Onyancha. "Influence of Technology Adoption on Operational Performance of Medium Banks During Covid-19 Pandemic in Moshi Municipality, Tanzania." Indian Journal of Economics and Finance 5, no. 1 (2025): 9–17. https://doi.org/10.54105/ijef.b2597.05010525.

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Information technology (IT) has transformed the banking industry, and the outbreak of COVID-19 accelerated the trend, making the issue of IT adoption more relevant than ever. This study examines the influence of technology adoption on the operational performance of medium commercial banks in Moshi Municipality in Tanzania, including Mkombozi Bank, Uchumi Commercial Bank, and Akiba Commercial Bank. A concurrent research design with a mixed methods approach was used, where the qualitative and quantitative data were collected. The population of the study was 63 employees of the three banks, and t

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Ms., Haika Mosha. "Influence of Technology Adoption on Operational Performance of Medium Banks During Covid-19 Pandemic in Moshi Municipality, Tanzania." Indian Journal of Economics and Finance (IJEF) 5, no. 1 (2025): 9–17. https://doi.org/10.54105/ijef.B2597.05010525.

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<strong>Abstract: </strong>Information technology (IT) has transformed the banking industry, and the outbreak of COVID-19 accelerated the trend, making the issue of IT adoption more relevant than ever. This study examines the influence of technology adoption on the operational performance of medium commercial banks in Moshi Municipality in Tanzania, including Mkombozi Bank, Uchumi Commercial Bank, and Akiba Commercial Bank. A concurrent research design with a mixed methods approach was used where utilization of the qualitative and quantitative data was employed. The population of the study was

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Ms., Haika Mosha. "Influence of Technology Adoption on Operational Performance of Medium Banks During Covid-19 Pandemic in Moshi Municipality, Tanzania." Indian Journal of Economics and Finance (IJEF) 5, no. 1 (2025): 9–17. https://doi.org/10.54105/ijef.B2597.05010525/.

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<strong>Abstract: </strong>Information technology (IT) has transformed the banking industry, and the outbreak of COVID-19 accelerated the trend, making the issue of IT adoption more relevant than ever. This study examines the influence of technology adoption on the operational performance of medium commercial banks in Moshi Municipality in Tanzania, including Mkombozi Bank, Uchumi Commercial Bank, and Akiba Commercial Bank. A concurrent research design with a mixed methods approach was used, where the qualitative and quantitative data were collected. The population of the study was 63 employee

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Agustiawati, Putri Aulia, Sishadiyati icebgc, and Ni Made Nadia Resmarani. "Analysis of the Impact of APMK & UE as a Non-Cash Payment Instrument on Indonesia’s Economic Growth." Proceedings of International Conference on Economics Business and Government Challenges 6, no. 1 (2023): 242–47. http://dx.doi.org/10.33005/icebgc.v6i1.82.

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Rapid technological developments encourage payment systems to be more effective and efficient for the community. At this time the payment system has developed into a non-cash basis. The non-cash Payment System consists of Card-Based Payment Instruments, namely ATM/Debit Cards and Credit Cards, as well as Electronic Money (E-money). The purpose of this research is to find out whether the non-cash payment system affects economic growth in Indonesia. This research uses quantitative methods and secondary data obtained from Bank Indonesia and the Central Statistics Agency (BPS) for the 2009-2021 pe

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Puspita, Duwi, Ary Dea Amry, Dea Anjelinah, Ananda Wahitora, and Asraf Mustafa. "Pengaruh Sistem Pembayaran Elektronik Terhadap Permintaan Uang Di Indonesia Dalam Perspektif Ekonomi Islam." Indonesian Journal of Islamic Economics and Business 8, no. 2 (2023): 241–50. http://dx.doi.org/10.30631/ijoieb.v8i2.1869.

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Along with the development of technology and information, the payment system used as a medium of exchange in economic activities continues to change. Current economic transactions do not only use cash but also use electronic non-cash instruments which are more efficient and economical. The purpose of this study was to determine the effect of APMK (debit cards, credit cards) and electronic money on the amount of money demanded. This study uses secondary data sourced from Bank Indonesia and the Central Bureau of Statistics. The data used is annual time series data from 2018 to 2022. The analysis

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15

Maharani, Era, and Wahyu Indah Sari. "Effectiveness of Monetary Policy Transmission Path on Usecashless Paymentt and Amount of Money Supply on the Increasing Inflation Rate in Indonesia." Formosa Journal of Sustainable Research 3, no. 5 (2024): 893–902. http://dx.doi.org/10.55927/fjsr.v3i5.9318.

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The use of cashless payments and the money supply can influence inflation and monetary policy. Modernization of payment instruments carried out by monetary policy in the financial system can control the inflation rate. The aim of this research is to determine the effect of cashless payments and money supply on inflation with other variables such as e- money, debit cards and interest rates. Using the vector autoregression (VAR) analysis method, it is found that e-money has an effect on the amount of money in circulation and debit cards. Then inflation is also influenced by debit cards, e-money

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Mosha, Haika Geofrey, Nyanjige Mbembela Mayala, and Hezron Onyancha. "Influence of Technology Adoption on Operational Performance of Medium Banks During Covid-19 Pandemic in Moshi Municipality, Tanzania." Journal of Economics Education and Entrepreneurship 5, no. 3 (2024): 198. https://doi.org/10.20527/jee.v5i3.13094.

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Information technology (IT) has transformed the banking industry and the outbreak of the Covid-19 accelerated the trend making the issue of IT adoption more relevant than ever. This study examines the influence of technology adoption on operational performance of medium commercial banks in Moshi Municipality in Tanzania to include Mkombozi Bank, Uchumi Commercial Bank and Akiba Commercial Bank. A concurrent research design with a mixed methods approach was used where utilization of the qualitative and quantitative data was employed. The population of the study was 63 employees of the three ban

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Tri Rahayu, Siti Aisyah, Lukman Hakim, and Hamas Faza. "The Effect of Non-Cash Payments on the Money Supply in Indonesia During the Covid-19 Pandemic Period." International Journal of Multidisciplinary: Applied Business and Education Research 4, no. 11 (2023): 3837–47. http://dx.doi.org/10.11594/ijmaber.04.11.06.

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The development of non-cash payments is predicted to have an effect on real money demand, not only in Indonesia. The use of electronic money in Indonesia itself continues to increase especially in the covid-19 pandemic and it supported by technological developments. The purpose of this study was to analyse the effect of non-cash payments on real money demand in Indonesia. The method used is Vector Error Correction Model (VECM) using secondary data from Januari 2019 to December 2022. The independent variable is the amount of money circulated by Bank Indonesia, and the independent variables used

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Putra, Geigiansyah Aulia, Hilda Yunita Sabrie, and Prawitra Thalib. "The Product Characteristic of Electronic Money from the Perspective of the Negotiable Instruments Law." FIAT JUSTISIA:Jurnal Ilmu Hukum 11, no. 4 (2018): 328. http://dx.doi.org/10.25041/fiatjustisia.v11no4.1110.

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The development of currency trading is not only using the cash as a payment instrument for a transaction. For example is the emergence of non-cash payments such as negotiable instruments. That type of instrument offers a more effective and safer way than using the cash. Along with the development of the technology, a non-cash payment innovation emerged, which characteristics, at a glance, similar to negotiable instruments, such as credit cards, debit cards, and electronic money products which gives a safer and more efficient way than using the cash for a transaction. Based on this, led to the

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Nofita, Fifi, and Diah Wahyuningsih. "NAVIGATING THE SHIFT: HOW CASHLESS PAYMENTS, INTEREST RATES, AND COVID-19 AFFECT MONEY SUPPLY." Jurnal REP (Riset Ekonomi Pembangunan) 9, no. 2 (2024): 168–81. http://dx.doi.org/10.31002/rep.v9i2.1137.

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The purpose of this study was to find out how the influence of non-cash payments (debit cards, credit cards, and e-money), BI7DRR interest rates, and the impact of covid-19 on the money supply in Indonesia. The data used is monthly time series data, from September 2018 to August 2021. This study uses a quantitative approach using the Error Correction Model (ECM) method. The data analysis techniques used include: stationarity test, cointegration test, long-term and short-term ECM estimation, classical assumption test, and hypothesis testing. The results show that in the long-term debit cards an

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Wang, Shih-Tse. "The effects of risk appraisal and coping appraisal on the adoption intention of m-payment." International Journal of Bank Marketing 38, no. 1 (2019): 21–33. http://dx.doi.org/10.1108/ijbm-10-2018-0272.

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Purpose Although debit and credit cards are widely accepted, consumers still have significant concerns pertaining to the risk of the cards’ usage. Mobile payment (m-payment) acts as identification and a virtual card for consumers, and is viewed as more secure than card payments. However, the influence of consumers’ appraisal of debit and credit cards usage and using m-payment on the adoption intention of m-payment is unclear. Using the protection motivation theory, the purpose of this paper is to explore the effect of risk appraisal of using debit or credit cards and coping appraisal of using

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Lukmanulhakim, Muhammad, Syaipan Djambak, and M. Komri Yusuf. "Pengaruh transaksi non tunai terhadap velositas uang di Indonesia." Jurnal Ekonomi Pembangunan 14, no. 1 (2019): 41–46. http://dx.doi.org/10.29259/jep.v14i1.8774.

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Current technological developments affecting the payment system. From Barter, Cash to non-cash payment. Nowadays, the most used non-cash payment instrument are Credit Card, Debit Card and E-Money. The use of this payment instrument make consumers easy to pay, thereby increasing the level of consumption. The objective of this study was to analyze the impact of the use of E-Money, Credit Cards and Debit Cards to the Velocity of Money in Indonesia. The data used is the number of transaction in 2010 to 2014. The analysis used was Johansen Co-integration Test to analyze the short-term effects and E

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Elçin oğlu Mirzəyev, Elvin. "The history of plastic bank cards and the role of bank plastic cards in the development of non-cash payments." ANCIENT LAND 13, no. 7 (2022): 42–45. http://dx.doi.org/10.36719/2706-6185/13/42-45.

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Elektron biznesin inkişafının vacib problemlərindən biri səmərəli ödəmə sistemlərinin təmin edilməsindən ibarətdir. Ödəmə sistemi dedikdə, bank tərəfindən ödəmə vasitəsi kimi buraxılmış və müəyyən standarta cavab verən plastik kartların istifadə edilməsi üzrə texnoloji texnoloji metodlar çoxluğu nəzərdə tutulmuşdur. Ödəmə sisteminin normal işləməsi üçün kartlara texniki dəstək xidməti göstərən qeyri-maliyyə təşkilatları olmalıdır.Hazırda dünyada plastik kartların müxtəlif növləri mövcuddur.Ancaq onların fəaliyyət sxemləri və prinsipləri faktiki olaraq eynidir. Fərq onlar üzrə göstərilən xidmət

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Anong, Sophia T., and Aditi Routh. "Prepaid debit cards and banking intention." International Journal of Bank Marketing 40, no. 2 (2021): 321–40. http://dx.doi.org/10.1108/ijbm-09-2021-0401.

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PurposeThis study examines the relationship between prepaid debit card use and the intention to open a bank account within twelve months. The Transtheoretical Model (TTM) of Behavior Change helped to conceptualize one's stage in the process of changing from unbanked status if desired. The Theory of Planned Behavior (TPB) provided a framework to examine factors that influence banking intention. Prepaid debit card use is considered a social norm as it is a popular alternative to banking, and these accounts have increasingly mimicked bank account features in recent years.Design/methodology/approa

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Kaur, Kamalpreet, and Mandeep Kaur. "Determinants of Diffusion and Adoption of ATM cum Debit Cards in Indian Banking Sector." Global Business Review 21, no. 5 (2019): 1263–78. http://dx.doi.org/10.1177/0972150919856960.

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Plastic cards are the neglected innovation as far as its research on diffusion and adoption from bankers’ perspective is concerned. The study emphasizes on the identification of factors which may have influenced the banks to adopt Automated Teller Machine (ATM) cum debit cards along with their traditional banking services. Bank-specific variables were investigated to deepen the understanding of the diffusion and adoption of ATM cum debit cards. The sample of the study is confined to 50 commercial banks, out of which 23 are private and 27 are public sector banks. The empirical findings reveal t

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Dr., Chandravathi. "CONSUMER PERCEPTION TOWARDS SHOPPING THROUGH DEBIT CARDS: A CASE STUDY WITH REFERENCE TO BELTANGADY TALUK IN KARNATAKA." International Journal of Marketing & Financial Management, Volume 5,, Issue 5, May-2017, (2017): pp 66–71. https://doi.org/10.5281/zenodo.817745.

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This research aims to study the behaviour of using debit cards and the quality perceiving on using debit cards of the consumer in Mangalore district. Questionnaire were used for data collection by purposive sampling and equally distributed to 50 consumers who held at least one debit card and used it more than three times before the study. The collected data was analysed using the descriptive statistics; frequency and percentage, and the inferential statistics; ANOVA at the .05 level of statistics significance. This research found that the demographic characters of the consumers were female, be

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Karanjit, Shrishna. "Debit Cards Payment Behaviour of Consumers at Bhat-Bhateni Supermarket and Department Store in Kathmandu." Journal of Business and Social Sciences Research 1, no. 1 (2018): 80. http://dx.doi.org/10.3126/jbssr.v1i1.20950.

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<p>This paper attempts to identify the different factors affecting consumers on adoption of debit cards with reference to Bhat-Bhateni Supermarket and Department Store (BSDS) in Kathmandu Valley. A month long survey was conducted among the consumers of Kathmandu, who shopped at BSDS in which 175 respondents were interviewed using convenient sampling. For the purpose of study, two models were devised considering both debit card users and non debit card users. The study showed higher preference and interest among the consumers in using debit cards than cash while making payments. The resul

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Ghalib, Ghalib, and Sri Maulida. "Dampak Sistem Pembayaran Non Tunai terhadap JUB (M1) di Indonesia 2019-2021." Keizai 4, no. 1 (2023): 12. http://dx.doi.org/10.56589/keizai.v4i1.376.

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The aim of this study is to evaluate the impact of non-cash payment instruments such as debit cards, e-money, and credit cards on Money Supply (M1). The research employs multiple linear regression analysis and e-views 9 data analysis tools. The results of this study indicate that debit cards have a positive and significant impact on the Money Supply (M1). In contrast, credit cards negatively and significantly impact the Money Supply (M1). On the other hand, e-money also has a positive and significant impact on the Money Supply (M1). Therefore, the conclusion drawn is that all independent varia

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Fariki, La, Muhammad Natsir, Hasddin Hasddin, and Wiwin Sultraeni. "Assessing the Impact of ICT Infrastructure on Card-Based Non-Cash Transaction Volumes in Indonesia." Journal of Global Innovations in Agricultural Sciences 12, no. 2 (2024): 545–54. http://dx.doi.org/10.22194/jgias/24.1257.

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This research aims to analyze the influence of Information and Communication Technology (ICT) infrastructure on the volume of card-based non-cash financial transactions in Indonesia from 2019 to 2021. This is a quantitative study. Data analysis in this research employs multiple regression with a fixed-effect model. The study utilizes panel data of longitudinal type, consisting of data on Base Transceiver Stations (BTS), Villages/Subdistricts Served by Internet, Automatic Teller Machines (ATMs), ATM/debit cards and credit cards, and non-cash financial transaction volume based on cards across 33

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La Fariki. "The Influence of Information and Communication Technology (Ict) Infrastructure on the Volume of Card-Based Non-Cash Financial Transactions in Indonesia." Journal of Electrical Systems 20, no. 5s (2024): 1062–75. http://dx.doi.org/10.52783/jes.2351.

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This research aims to analyze the influence of Information and Communication Technology (ICT) infrastructure on the volume of card-based non-cash financial transactions in Indonesia from 2019 to 2021. This is a quantitative study. Data analysis in this research employs multiple regression with a fixed-effect model. The study utilizes panel data of longitudinal type, consisting of data on Base Transceiver Stations (BTS), Villages/Subdistricts Served by Internet, Automatic Teller Machines (ATMs), ATM/debit cards and credit cards, and non-cash financial transaction volume based on cards across 33

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La Fariki. "The Influence of Information and Communication Technology (Ict) Infrastructure on the Volume of Card-Based Non-Cash Financial Transactions in Indonesia." Journal of Electrical Systems 20, no. 5s (2024): 1048–61. http://dx.doi.org/10.52783/jes.2350.

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This research aims to analyze the influence of Information and Communication Technology (ICT) infrastructure on the volume of card-based non-cash financial transactions in Indonesia from 2019 to 2021. This is a quantitative study. Data analysis in this research employs multiple regression with a fixed-effect model. The study utilizes panel data of longitudinal type, consisting of data on Base Transceiver Stations (BTS), Villages/Subdistricts Served by Internet, Automatic Teller Machines (ATMs), ATM/debit cards and credit cards, and non-cash financial transaction volume based on cards across 33

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Larasati, Gita Azura, and Nugroho Sumarjiyanto Benedictus Maria. "Pengaruh Sistem Pembayaran Non Tunai terhadap PDB Indonesia Tahun 2011-2021." Diponegoro Journal of Economics 12, no. 2 (2023): 21–32. http://dx.doi.org/10.14710/djoe.37683.

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The development of technologies that demand faster and easier operation also encourages the development of payment systems, which is one of the components that can support economic growth. Innovation in the non-cash payment system developed by Bank Indonesia can help people to be able to do transactions easier and faster to fulfill their needs. This study aims to find out the effect of the non-cash payment system using electronic money (e-money) and Card-Using Payment Instruments (APMK) with debit/ATM cards and credit cards on Indonesia's Gross Domestic Product (GDP). The methods used in this

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,, Agustina, and Rinaldi Rustam. "Analysis of the Impact of Electronic Money Usage as a Payment Tool on Economic Growth." Dinasti International Journal of Economics, Finance & Accounting 5, no. 6 (2025): 6220–36. https://doi.org/10.38035/dijefa.v5i6.3617.

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This research is conducted for the journal with the aim of analyzing the effects of electronic payment systems based on credit cards, debit cards, and electronic money, as well as macroeconomic variables such as the money supply (M1), price levels, and exchange rates on real gross domestic product (GDP) as a proxy for economic growth. The estimations in this journal use the Vector Error Correction Model (VECM) with monthly time series data for the period from 2012 to 2023. The results indicate that transactions using debit cards and electronic money have a significant positive effect on econom

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Lestari, Merin Tri. "PENGARUH TRANSAKSI NON TUNAI, INFLASI DAN PENERIMAAN PAJAK TERHADAP PERUMBUHAN EKONOMI DI INDONESIA." JOURNAL OF APPLIED MANAGERIAL ACCOUNTING 5, no. 2 (2021): 56–66. http://dx.doi.org/10.30871/jama.v5i2.3383.

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Economic growth is a development goal that every country wants to achieve, one of which is Indonesia, which is currently focus on increasing economic growth. Therefore, this study aims to analyze the effect of ATM and debit cards, electronic money, inflation and tax revenue on economic growth in Indonesia, either partially or simultaneously. This type of research uses a quantitative approach with multiple linear regression methods, data used are secondary data taken from the publications of the Central Statistics Agency, Bank Indonesia and the Ministry of Finance of the Republic of Indonesia i

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Sari, Devi Kartika. "Analisis Pengaruh Transaksi Pembayaran Non Tunai Terhadap Jumlah Uang Beredar Di Indonesia." Journal of Economics Development Issues 3, no. 2 (2020): 361–76. http://dx.doi.org/10.33005/jedi.v3i2.68.

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The advancement of science and technology is always growing rapidly, no exception on financial technology. The development of financial technology has led to innovation payment systems from a cash payment system to a non-cash payment system. The study aims to determine the effect of non-cash transactions (credit card, ATM/debit card, and E-money) on the amount of money supply in Indonesia. Research using data sourced from Bank Indonesia (BI) and the Central Statistics Agency. The data used in this research is the quarter time series data between the years 2015(I) to the year 2019 (II). T

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Rosafi, Muhammad Amrullah, and Wiwit Harianto. "THE INFLUENCE OF DEBIT CARDS AND ELECTRONIC MONEY ON SPENDING HABITS OF STUDENTS AT MUHAMMADIYAH UNIVERSITY OF SIDOARJO." Journal of Economic and Economic Policy 2, no. 2 (2025): 94–104. https://doi.org/10.61796/ijecep.v2i2.61.

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Objective: This study aims to determine the effect of debit cards and electronic money on students' spending habits. Method: This research took place at the Muhammadiyah University of Sidoarjo and was conducted by distributing questionnaires to 81 active students of the Muhammadiyah University of Sidoarjo as respondents. In this study, the analysis used was multiple linear regression and the tool used to conduct the analysis was SPSS. The data used for the analysis was primary data obtained from 81 respondents. Results: Based on the results of this study, it can be seen that debit cards and el

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N.Sudha. "Customer Satisfaction towards Digital banking in Chennai." Shanlax International Journal of Commerce 7, S1 (2019): 182–89. https://doi.org/10.5281/zenodo.3412566.

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In olden days please used to go banks to withdraw money by way of cheques, draft , order or otherwise. They go to the banks for depositing money. They can do all banking functions only at particular date and time. Especially during holidays customers will not be able to perform any banking functions. But nowadays,customers will be able to withdraw money from anywhere and at any time by way of debit cards. They need not carry money for shopping. They can pay the amount for the goods by way of debit cards and credit cards or scan the or code and pay through pay tym. They can transfer the money b

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Parappagoudar, Dr Sachin K., Dr Sana Saima, Kilarapu Jahnavi Siri, Jayasri Allugubilli, Roopsika Kancherla, and Vandanapu Akash Chandra. "Importance of debit cards for teenagers." International Journal of Financial Management and Economics 6, no. 1 (2023): 159–61. http://dx.doi.org/10.33545/26179210.2023.v6.i1.187.

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Rahma, Niken, and Dwi Retno Widiyanti. "PENGARUH ADOPSI DEBIT CARD DAN E-MONEY TERHADAP POLA BELANJA KONSUMEN." Contemporary Studies in Economic, Finance and Banking 3, no. 4 (2024): 856–70. https://doi.org/10.21776/csefb.2024.03.4.03.

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The adoption of debit card and E-Money is increasingly important to study due to its potential to influence payment patterns and overall consumer behavior. This research aims to analyze the effect of debit cards and e-money on consumer shopping behavior. The subjects of this study are students from the Faculty of Economics and Business at Universitas Brawijaya, cohorts 2020, 2021, and 2022, who have been using debit card and E-Money for more than one year and receive an allowance of more than IDR 1,000,000. The sampling method used is purposive sampling, with a total of 104 respondents. Data w

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Rosanti, Octavia, and Sri Maulida. "Pengaruh Sistem Pembayaran Elektronik Terhadap Inflasi Di Indonesia." ARBITRASE: Journal of Economics and Accounting 3, no. 1 (2022): 33–38. http://dx.doi.org/10.47065/arbitrase.v3i1.418.

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This research aims to determine the effect of Electronic Money, Credit Card and Debit Card variables on Inflation in Indonesia. The data used is secondary data accessed from the Bank Indonesia website. This research uses monthly time series data from January 2019 to December 2021. The research method used in this research is Multiple Linear Regression using the SPSS application. The results of the research show that the Electronic Money variable has no significant and negative effect on Inflation in Indonesia, the Credit Card variable has a significant and positive effect on Inflation in Indon

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Rahmadani, Shinta Ainur, Aprika Wanti Pratama, Nurma Yunita, and Maya Panorama. "Non-cash transactions and the money supply." Jurnal Inovasi Ekonomi 8, no. 02 (2023): 63–68. http://dx.doi.org/10.22219/jiko.v8i02.23388.

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This study examines the impact of non-cash transactions on the money supply (M1) in Indonesia, with inflation as a moderating variable. Using data from 2019 to 2021, we analyze the effects of debit cards, credit cards, and electronic money (e-money) on the money supply. The findings indicate that debit card transactions have no immediate impact, credit card transactions have a slight negative effect, and e-money transactions significantly increase the money supply. These results offer valuable insights for policymakers and financial analysts in understanding and managing the relationship betwe

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Bachas, Pierre, Paul Gertler, Sean Higgins, and Enrique Seira. "Digital Financial Services Go a Long Way: Transaction Costs and Financial Inclusion." AEA Papers and Proceedings 108 (May 1, 2018): 444–48. http://dx.doi.org/10.1257/pandp.20181013.

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Debit cards reduce the travel distance to access bank accounts and can increase financial inclusion. We show that in Mexico, cash transfer beneficiaries who already received their transfers in bank accounts and subsequently received debit cards reduce their median distance to access the account from 4.8 to 1.3 kilometers and report being less likely to forgo important activities (childcare, work) to withdraw their transfer. Using account level data, we find a strong negative correlation between the reduction in travel distance and financial activity: beneficiaries facing the largest reductions

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Krishnan, Prof Dr S. M., and C. Senthilkumar. "A STUDY ON CUSTOMER’S PERCEPTION TOWARDS DEBIT CARD USERS IN PUBLIC AND PRIVATE SECTOR BANKS AT DHARMAPURI DISTRICT." American Journal of Economics and Business Management 1, no. 3 (2018): 67–73. http://dx.doi.org/10.31150/ajebm.vol1.iss3.32.

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Debit card use at the point of sale has grown dramatically in recent years in India and now exceeds the number of credit card transactions.The debit cards are used to withdraw cash from an ATM, purchase of goods and services at Point of Sale, E-commerce online purchase both domestically and internationally.However, it can be used only for domestic fund transfer from one person to another. This paper attempts to study about the customer perception of debit card usages in the banking industry and satisfaction of debit card holders.

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Nursari, Ayu, I. Wayan Suparta, and Yoke Moelgini. "Pengaruh Pembayaran Non Tunai Terhadap Jumlah Uang yang Diminta Masyarakat." Jurnal Ekonomi Pembangunan 8, no. 3 (2019): 169–82. http://dx.doi.org/10.23960/jep.v8i3.46.

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Technological developments have touched aspects of life, including the economic sector of the banking sector. Along with advances in financial technology, commercial transactions continue to experience changes in the pattern and payment system (payment), which influences facilitate the reach of the public with bank financial products. Currently, the role of cash payments has begun to be shifted to technology advances. The purpose of this study was to determine the effect of non-cash fees (Debit / ATM Cards, Credit Cards, E-Money, Clearing, RTGS) on the economy and demand for cash in Indonesian

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Dr., S. Shanmugapriya, and Kavya D. "CUSTOMER SATISFACTION ON DEBIT CARD SERVICES AMONG USERS IN POLLACHI TALUK." International Journal of Current Research and Modern Education 3, no. 1 (2018): 151–55. https://doi.org/10.5281/zenodo.1170808.

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One of the invention and application of the latest technology is credit cards and Debit cards. Credit card is a widely used source of conventional credit for restaurants, as well as telephone and television advertised products. In short credit cards act as a short – term loan. Along with the benefits some disadvantages are also attached with the credit cards. ATMs of many banks are nothing but virtual branches, as customers can conduct any transactions, through the touch screens. The objective of the study is to examine the practical problem face by the card holders and offer effective s

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Hamza, Namadina, and Mustapha Abdullahi. "Effects of Payment Technologies on the Transaction Demand for Cash Among Urban Households in Zamfara State, Nigeria." International Journal of Advanced Studies of Economics and Public Sector Management 12, no. 2 (2024): 225–36. https://doi.org/10.48028/iiprds/ijasepsm.v12.i2.17.

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This paper examines the effect of the use of the various payment channels on the amount of cash held for transactions among urban households in Zamfara state, Nigeria. Using a sample of 300 respondents purposely selected using the non-probability sampling technique of purposive sampling and structured questionnaire used to solicit information from the chosen respondents and the data analysed with the use of multinomial logistic regression analysis techniques. The study finds that the demand for cash for transaction function purpose has very much decreased with the use of variety of payments ch

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Dr Muhammad Ahsan Mukhtar, Dr Farah Nasreen, Muhammad Talha, and Sana Safdar (Scholar). "Financial Innovations and Technological Changes Affect the Commercial Banks’ Efficiency and Returns on Assets (ROA)? Empirical Evidence from Pakistan." Social Science Review Archives 3, no. 2 (2025): 1433–40. https://doi.org/10.70670/sra.v3i2.762.

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This study investigates the impact of financial innovations specifically mobile banking, electronic funds transfers (EFT), and debit/credit cards on the efficiency and return on assets (ROA) of commercial banks in Pakistan. Motivated by the rapid digital transformation of the banking sector and the need to understand its effect on core performance metrics, the research employs a positivist, deductive approach using primary data collected from 101 commercial bank employees. Quantitative analysis was conducted through Pearson correlation and multiple regression methods. The findings reveal a sig

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Sindhu, M. "PLASTIC CARDS - AN OVERVIEW." International Journal of Research -GRANTHAALAYAH 4, no. 12SE (2016): 62–67. http://dx.doi.org/10.29121/granthaalayah.v4.i12se.2016.2480.

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The current study presents an overview of the development of banking in India from time to time specifically focused on the plastic cards usage trends since these have been introduced in Indian banking sector. Various types of plastic cards provided by banks in India like ATM cards, Debit Cards, Credit Cards and Smart cards have been discussed. The study also highlights the role of these cards as electronic payment tool to be used by customers and discusses clearing and settlement process of these cards. Some future plans made by various banks and institutions are also summarized in a way that

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Dr., M.Sindhu. "PLASTIC CARDS - AN OVERVIEW." International Journal of Research -GRANTHAALAYAH 4, no. 12SE (2016): 62–67. https://doi.org/10.5281/zenodo.231105.

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The current study presents an overview of the development of banking in India from time to time specifically focused on the plastic cards usage trends since these have been introduced in Indian banking sector. Various types of plastic cards provided by banks in India like ATM cards, Debit Cards, Credit Cards and Smart cards have been discussed. The study also highlights the role of these cards as electronic payment tool to be used by customers and discusses clearing and settlement process of these cards. Some future plans made by various banks and institutions are also summarized in a way that

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Olson, Larry A. "The Manual Re-Assembly of Crosscut-Shredded Plastic Cards." Journal of the American Society of Questioned Document Examiners 24, no. 1 (2021): 15–27. https://doi.org/10.69525/jasqde.273.

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A method was previously proposed to facilitate the assembly of crosscut shredded paper documents by manual means. Reassembling shredded plastic cards, such as debit, credit, or identity cards presents different challenges than paper documents but can also be less complex in several respects than reassembling shredded paper. This paper outlines a procedure that was used to reassemble a small amount of crosscut shredded plastic cards in actual casework.

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Dooty, Evana Nusrat, Israth Sultana, and Kulsuma Akter Nahid. "A Comparative Study between Islamic Banks and Conventional Banks in Bangladesh Based on Satisfaction of Debit Card Users." Australian Journal of Business and Management Research 07, no. 01 (2022): 25–35. http://dx.doi.org/10.52283/nswrca.ajbmr.20220701a02.

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This study is about the measuring of customer satisfaction on debit card use where little attention has been paid to this issue in Bangladesh. Previous studies on Islamic banks and conventional banks were focused on different determinants of customer satisfaction but very few studies on debit card user. The research aim is to identify the level of debit card user satisfaction and its determinants between Islamic banks and conventional banks. For this purpose, a well-planned questionnaire was developed to ensure success and also by providing questionnaires to 300 debit cards holder from Islamic

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