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Putri, Chintia Ariani, and P. Eko Prasetyo. "Money Supply, Counterfeit Money, and Economic Growth Effect to E-Money Transaction." Efficient: Indonesian Journal of Development Economics 3, no. 1 (January 8, 2020): 634–49. http://dx.doi.org/10.15294/efficient.v3i1.35951.
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Electronic money is an innovation in payment systems. Although transactions continue to increase, the ratio of electronic money transactions to transactions using the Card Payment Instrument is always less than 1%. The purpose of this study is to determine the effect of monetary instruments namely the money supply (M1), counterfeit money, and economic growth on electronic money transactions in Indonesia. This research uses a quantitative method using time series data during the period January 2016 - December 2018. Data analysis uses multiple linear regression with a double log model based on OLS. The results of this study indicate that the money supply (M1) has a positive and significant effect on electronic money transactions, counterfeit money has no significant effect on electronic money transactions, economic growth has a positive and significant effect on electronic money transactions. The implication of this research is that electronic money should be given additional security such as PIN so that when the owner loses it will not lose the balance contained therein, Bank Indonesia should encourage and encourage the public to switch to using electronic money so that it can reduce the money supply and avoid the risk of counterfeit money.
Uang elektronik merupakan inovasi dalam sistem pembayaran. Meskipun transaksi terus meningkat, rasio transaksi uang elektronik dengan transaksi menggunakan Instrumen Pembayaran Kartu selalu kurang dari 1%. Tujuan dari penelitian ini adalah untuk mengetahui pengaruh instrumen moneter yaitu jumlah uang beredar (M1), uang palsu, dan pertumbuhan ekonomi pada transaksi uang elektronik di Indonesia. Penelitian ini menggunakan metode kuantitatif menggunakan data deret waktu selama periode Januari 2016 - Desember 2018. Analisis data menggunakan regresi linier berganda dengan model log ganda berdasarkan OLS. Hasil penelitian ini menunjukkan bahwa jumlah uang beredar (M1) berpengaruh positif dan signifikan terhadap transaksi uang elektronik, uang palsu tidak berpengaruh signifikan terhadap transaksi uang elektronik, pertumbuhan ekonomi berpengaruh positif dan signifikan terhadap transaksi uang elektronik. Implikasi dari penelitian ini adalah bahwa uang elektronik harus diberikan keamanan tambahan seperti PIN sehingga ketika pemilik kehilangan itu tidak akan kehilangan saldo yang terkandung di dalamnya, Bank Indonesia harus mendorong dan mendorong masyarakat untuk beralih menggunakan uang elektronik sehingga dapat mengurangi jumlah uang beredar dan menghindari risiko uang palsu.
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Halpin, Ruth, and Roksana Moore. "Developments in electronic money regulation – the Electronic Money Directive: A better deal for e-money issuers?" Computer Law & Security Review 25, no. 6 (November 2009): 563–68. http://dx.doi.org/10.1016/j.clsr.2009.09.010.
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Arifin, Mifta Qoirun Nisa, and Shanty Oktavilia. "Analysis The Use of Electronic Money in Indonesia." Economics Development Analysis Journal 9, no. 4 (November 6, 2020): 361–73. http://dx.doi.org/10.15294/edaj.v9i4.39934.
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E-money is an innovation of payment methods. A transaction using electronic money has more advantages than using cash. These advantages make electronic money transactions keep increasing. Currently, the increment of electronic money transactions didn’t follow by a reduction in the amount of money in circulation. This study aims to analyze the effect of macro instruments such as Gross Domestic Product, money supply (M1), inflation, and BI Rate on e-money transactions. This study focuses more on server-based electronic money and cash-substitution capabilities. This research uses quantitative methods using time-series data from January 2009 to December 2019, and the Error Correction Model Engle-Granger was employed. The results of the study show that the GDP variable in a short-run has an insignificant negative effect, while in a long-run has a positive effect, it is also significant on e-money transaction in Indonesia. The M1 variable in the short-run has an insignificant negative effect, while in the long-run, it has a significant negative effect on e-money in Indonesia. Inflation variables in both the short and long-run have an insignificant positive effect on e-money in Indonesia. The variable BI rate in the short and long-run have an insignificant negative effect on e-money in Indonesia.
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Filona and Misdiyono. "FACTORS AFFECTING THE ADOPTION OF ELECTRONIC MONEY USING TECHNOLOGY ACCEPTANCE MODEL AND THEORY OF PLANNED BEHAVIOR." Journal of Business Economics 24, no. 1 (2019): 100–113. http://dx.doi.org/10.35760/eb.2019.v24i1.1858.
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With the rapid growth of information technology, electronic money has played an important and central role in the e-payment. Development of electronic money is able to create a trend less-cash society, which is a society’s behavior using non- cash transactions by utilizing the simplicity offered through electronic transactions. The purpose of this research is to determine the factors affecting the intention to use electronic money. We designed a questionnaire and used it to survey a simple random sampling of people who use of e-money in DKI Jakarta. The actual samples used for the study are 125 respondents. We analyzed the data using Structured Equation Modeling to evaluate the strength of the hypothesized effects. The result of the analysis showed that perceived ease of use has no significant effect on attitudes towards the use of e-money. Perceived ease of use has a significant effect on the perceived usefulness of e-money. Perceived usefulness has no significant effect on the intention to use e-money. Perceived usefulness has a significant effect on attitudes towards the use of e-money. Attitude has a significant effect on the intention to use e-money. Subjective norm has a significant effect on the intention to use e-money. Perceived behavioral control has no significant effect on the intention to use e-money. Keywords: electronic money, technology acceptance model, the theory of planned behavior.
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Majhi, B., G. Panda, and P. K. Dash. "Electronic Money: An Essence of E-Commerce." IETE Technical Review 17, no. 4 (July 2000): 203–7. http://dx.doi.org/10.1080/02564602.2000.11416904.
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Saiful Islam, Mohammad, Md Foysal Hasan, Md Mashiur Rahman, Dr Md. Azizul Baten, and Mohammad Ziaul Islam. "Promoting full-fledged electronic money in South Asia: evidence from Bangladesh." Banks and Bank Systems 14, no. 4 (December 19, 2019): 166–82. http://dx.doi.org/10.21511/bbs.14(4).2019.16.
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The study aims to develop several models for instigating full-fledged electronic money and to study prospects and challenges in the digitization process in the context of South Asian countries such as Bangladesh. Besides, the economic effect of full digitization of currency was analyzed considering its impact on vital economic indicators. Regression analysis, factor analysis and structural equation modeling were used to analyze data. The study suggests some models within the existing financial framework to support the process of instigating and implementing full-fledged electronic money in Bangladesh. The research defines a full-fledged e-money mechanism as a consumption-driven, production-oriented, creditworthy, cost-effective, prompt, technologically based inclusive payment system, as a prospect of full-fledged e-money. Besides, the requirement of an advanced technological infrastructure having secured and user-friendly software with high-speed internet services is identified as a major challenge to full-fledged e-money. The study also found out that a revolutionary change in GDP growth rate and inflation rate will occur through this mechanism.
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Rohmah, Farida. "Perkembangan Uang Elektronik pada Perdagangan di Indonesia." BISNIS : Jurnal Bisnis dan Manajemen Islam 6, no. 1 (July 23, 2018): 1. http://dx.doi.org/10.21043/bisnis.v6i1.3568.
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This study aims to analyze the development of electronic money (e-money) in trade in Indonesia in support of the Asean Economy Community (AEC) 2015 which requires ease of transactions using electronic money (e-money) to be more effective and efficient. The first analysis tool used is to analyze import export in Indonesia year 2009-2017 using monthly data. The riset use is the OLS regression between e-money and trade. This view riset how e-money is able to support the progress of the trade sector to support the realization of AEC 2015 with the effect of the realization of welfare for the community. The results of the analysis show that the development of e-money trade impacts the change of independent value of variables or free variables (E-money) can explain 0.439 or 43.9% of the dependent variables or dependent variables (trade) while the rest (1-0,439 = 0.561 or 56.1 %) described other unspecified variables (not included) in the model. In the economic sense can be said that if there is an increase in the use of E-money of Rp. 1 per month it will affect the increase also on the consumption of Rp. 2.4. Similarly, if a decrease in the use of E-Money of Rp 1 per month it will have an impact on the decrease in consumption. And a positive and significant influence between the use of e-money to trade in goods and services in Indonesia in 2009-2017. This is because the increasing use of e-money will increase trade in goods and services. This is because psychologically someone will be easier to spend money in the form of non-cash than cash. There is a positive and significant influence between the use of electronic money (e-money) on trade in goods and services in Indonesia in 2009-2017. This is due to the ease and speed offered in electronic money (e-money) so that the use of electronic money is increasing among the public. The higher the use of electronic money (e-money), the higher the trade in goods and services in Indonesia.
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Vozniuk, Andrii A., Andrii V. Savchenko, Tetiana Yu Tarasevych, Olexandr O. Dudorov, and Olga A. Klymenko. "Electronic Money and Payments as Means of Committing Crimes." Academic Journal of Interdisciplinary Studies 9, no. 4 (July 10, 2020): 150. http://dx.doi.org/10.36941/ajis-2020-0069.
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The article deals with the main problems of criminal characteristics of electronic money and payments as instruments of crime. The article reveals the economic and legal nature of electronic money (e-money). The features of e-money and its relation to electronic payments are identified. It is proved that intensive development of the IT sector results in an increasing replacement of cash by cashless methods of payment, and e-money is required for making payments online. E-money is previously created in all cases where they are stored on an electronic device and are used as means of payment, therefore they significantly reduce the level of abuse against property. Criminals in the real estate leasing sector use it as a tool when they commit cybercrime - a new place that has been transformed into a powerful source using for crime. Particular attention in this article is paid to the criminal characteristics of electronic money as an instrument of crime. Electronic money has been updated to account for a significant number of offending characters, while these crimes operate in free currency from a non-supported market and move to electronic services, they are used, and may be joined by warehouse resources, which require a criminal law level. It also indicates that e-money is being received by its billing service, and then can be exploited by attackers to trick owners who have already participated in their work. Through this process, using e-money and electronic payment is almost legal and covers the concept of legality. It is disclosed that the main complexity in detecting malicious tools creates electronic money, which makes it difficult to track the traces of such crime, which uses its delays in cyber space. The author also reveals an accurate view of electronic money resources, such as what is more likely to be abused, which is an additional element of criminal execution qualification.
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,, Sekar Salma Salsabila, and Pranoto ,. "EKSISTENSI KARTU KREDIT DENGAN ADANYA ELECTRONIC MONEY (E-MONEY) SEBAGAI ALAT PEMBAYARAN YANG SAH." Jurnal Privat Law 7, no. 1 (February 2, 2019): 31. http://dx.doi.org/10.20961/privat.v7i1.30092.
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<p>Abstract<br />This paper discusses about the existence of credit cards after electronic money (e-money) as a legitimate <br />payment instrument. This method of legal writing using normative legal research methods. Regulation <br />of Bank Indonesia Number 16/8/PBI/2014 about Amendment to Regulation of Bank Indonesia Number <br />11/12/PBI/2009 about Electronic Money raises non-cash payment instruments in addition to credit cards, <br />debit cards and ATM namely e-money as part of the legitimate payment instrument in Indonesia. This <br />causes the number of credit cards is less than the e-money circulation.<br />Keywords : E-money; credits card; non-cash payment instrumen.</p><p>Abstrak<br />Tulisan ini membahas tentang bagaimana eksistensi kartu kredit setelah munculnya uang elektronik <br />(e-money) sebagai alat pembayaran yang sah. Metode penulisan hukum ini menggunakan metode <br />penelitian hukum normatif. Peraturan Bank Indonesia Nomor 16/08/PBI/2014 tentang Perubahan <br />Atas Peraturan Bank Indonesia Nomor 11/12/PBI/2009 tentang Uang Elektronik (Electronic Money) <br />memunculkan alat pembayaran non tunai selain kartu kredit, kartu debit dan ATM yaitu e-money sebagai <br />bagian dari alat pembayaran yang sah di Indonesia. Hal ini menyebabkan jumlah kartu kredit yang beredar <br />menjadi lebih sedikit dibandingkan dengan peredaran e-money. <br />Kata Kunci : E-money; kartu kredit; alat pembayaran non tunai</p>
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Nengsih, Novia. "ANALISIS TERHADAP FATWA DEWAN SYARI’AH NASIONAL MAJELIS ULAMA INDONESIA (DSNMUI) TENTANG UANG ELEKTRONIK SYARIAH (Studi Kartu Flazz BCA, Go-Pay, dan Grab-Pay)." JURISDICTIE 10, no. 1 (July 11, 2019): 56. http://dx.doi.org/10.18860/j.v10i1.6594.
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<p>Technological developments have transformed the cash-money payment model into e-money, but the law on the use of e-money is still a debate in Indonesian Moslim society. This paper aims to analyze the legal use of e-money based on DSN-MUI fatwa No: 116/DSN-MUI /IX/2017 concerning Sharia Electronic Money. This research is a library research with descriptive analysis approach. E-money that was studied in this study was the BCA Flazz cards, Go-Pay, and Grab-Pay. Based on the Fatwa of MUI DSN on Shari’ah electronic money, the e-money system used in Indonesia today is not permitted because the issuer places the nominal amount of electronic money in conventional banks, if the card is lost the nominal amount of money in the issuer is also lost, and electronic money holders cannot be taken or cashed back.</p><p>Perkembangan teknologi telah mentransformasi model pembayaran dari cash-money menjadi e-money, tetapi hukum penggunaan e-money masih menjadi perdebatan di kalangan masyarakat Muslim Indonesia. Tulisan ini bertujuan untuk menganalisis hukum penggunaan e-money berdasarkan fatwa DSN-MUI No: 116/DSN-MUI/IX/2017 tentang Uang Elektronik Syariah. Penelitian ini merupakan penelitian kepustakaan (library research) dengan menggunakan pendekatan deskriptif analisis. E-money yang menjadi kajian dalam penelitian ini adalah kartu Flazz BCA, Go-Pay, dan Grab-Pay. Berdasarkan fatwa DSN MUI tentang Uang elektronik Syari’ah, maka sistem e-money yang dipakai di Indonesia hari ini tidak diperbolehkan karena penerbit menempatkan jumlah nominal uang elektronik di bank konvensional, apabila kartu hilang maka jumlah nominal uang yang ada di penerbit juga hilang, dan uang elektronik pemegang tidak bisa diambil atau diuangkan kembali.</p>
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Dostov, V. L., P. M. Shoust, G. V. Alekseev, and S. V. Krivoruchko. "Approaches to Regulating E-Money Market in the Eurasian Economic Community: Comparative Analysis." Financial Journal 12, no. 5 (2020): 43–58. http://dx.doi.org/10.31107/2075-1990-2020-5-43-58.
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The goal of this paper is to identify relevant (general and particular) elements of electronic money regulation in Russia, Kyrgyzstan, Kazakhstan, Belarus and Armenia. For the purposes of comparative analysis, the paper first introduces the methodology by outlining such factors as the legal status of electronic money issuers (including prudential requirements), differentiation of customer due diligence requirements in e-money systems, e-wallet usage rules, and division between the issuing and e-money transfer functionalities. Second, these factors are analyzed for each country, based on current regulatory acts. Finally, synthetic conclusions regarding major regional trends for regulation of e-money as a financial service are made. In most countries, e-money issuers are subject to licensing for the purposes of financial stability. Yet, approaches to differentiating functions of e-money actors vary across countries: in some of them, regulation recognizes “e-money operators” which transfer e-money but do not issue it. However, actual effects of this differentiation merits additional research. Almost all countries have implemented remote (simplified) identification which underlines the role of e-money as a “simplified” product aimed at financial inclusion. All countries except the Republic of Belarus and the Kyrgyz Republic still recognize non-personified electronic wallets. The research confirms that electronic money is still a specific instrument aimed at supporting financial inclusion and satisfying demand for instant cashless payments. More research is required to assess the actual effects of different regulatory approaches on the development of the e-money market.
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Sundari, B., Cicilia Erly Istia, and Renita Helena. "FACTORS AFFECTING ELECTRONIC MONEY (E-MONEY) SALES CASE STUDY IN BANKING ENTITIES IN INDONESIA." Jurnal Ilmiah Ekonomi Bisnis 24, no. 3 (2019): 236–42. http://dx.doi.org/10.35760/eb.2019.v24i3.2224.
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Electronic money instruments with non-cash transactions continue to increase positively from year to year. This is also due to the launch of the national non-cash or cashless movement which has been widely applied, especially in Indonesia. This study aims to find out what factors influence e-money sales, especially in banking entities in Indonesia. This study uses multiple linear regression analysis method using SPSS 22, which aims to examine the relationship or effect of the dependent variable with the independent variable. The results of the study have found that in the partial sale of electronic money is only influenced by e-money marketing channels / partnerships. While ease of transaction, ease of top up, and type of design do not have an impact on e-money sales. Meanwhile, simultaneously, these factors have an impact on E-Money sales.
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Nurhalim, Andres Dharma. "Does E-Money Affect Inflation In Indonesia." Primanomics : Jurnal Ekonomi & Bisnis 19, no. 1 (January 4, 2021): 1. http://dx.doi.org/10.31253/pe.v19i1.500.
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The purpose of this study aims to explain the effect of electronic money on inflation and how much influence it has on the Indonesian economy. In this study the authors used a quantitative approach. The variables used are inflation, electronic money, exchange rate, money supply (M1), and BI interest rate. Result: The previous money supply (LQMprev) and the interest rate (BI Rate) were the main factors affecting inflation. In this result, e-money and exchange rates are not the main components driving inflation. Based on SPPS processing using regression, e-money and exchange rates do not have a significant effect on inflation in Indonesia, but LQMprev has a significant effect on inflation. From the results of this study it is still too early to analyze the effect of e-money on inflation because it is still relatively new in Indonesia.
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Damayanti, Ruth. "Analisis Pengaruh Transaksi Uang Elektronik terhadap Tingkat Inflasi di Indonesia." Jurnal Ekonomi Pembangunan 10, no. 1 (August 15, 2021): 56–63. http://dx.doi.org/10.23960/jep.v10i1.231.
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Increasingly advanced technology encourages people to make transactions using electronic money (e-money). Nowadays, more Indonesian people use electronic money in their dealings, which is proven by the increasing volume of electronic money transactions from year to year. Electronic cash is chosed because it is more practical in making transactions with traders. The rising use of electronic money can affect the money supply, which can affect the inflation rate. Several studies have stated the effect of electronic money on inflation. This study aims to determine the impact of the variable volume and nominal value of electronic money transactions (e-money) on the inflation rate in Indonesia from January 2016 to December 2020. The data used in this study are secondary data with the type of monthly time series taken from Bank Indonesia, Kementerian Perdagangan, and BPS (Badan Pusat Statistik). The analysis technique used is the ECM (Error Correction Model). The Error Correction Model in this study aims to identify long-term and short-term relationships that occur because of the cointegration between research variables and the relationship between variables that are not stationary. This study indicates that in the long term, the variables volume of e-money transactions and money supply (M2) have a significant effect on the inflation variable. In contrast, other macroeconomic variables (BI rate and nominal value of e-money transactions) has no significant impact. Meanwhile, the short-term regression model shows no variables that have a substantial effect on the inflation variable.
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Maulana, Amalia E. "The Gap Between Brand Communication and Consumer Perceptions of Electronic Money Services." Advanced Science Letters 21, no. 4 (April 1, 2015): 1025–27. http://dx.doi.org/10.1166/asl.2015.5974.
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The development of e-money services creates a lot of terminology to emerge. Different companies use different terms to explain the new services in their brand communication. Consequently, the development of e-money market is not followed by increasing consumer understanding. There are indications on misconceptions of consumers against this modern way of payment. This study investigated more closely how companies constantly talk to their target audience in their marketing communication and contrast it with how consumers understand the concept of various e-money format and the benefits for their daily life. The results of this study provide insights for actors in e-money business on how to start educate consumers in a better way, to reduce the remaining barriers in consumer mind that hinder the adoption of this e-money services. Research conducted through series of qualitative study: netnography exploration, content analysis of various company brand communication and in-depth interview with target audience of e-money.
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Qurniawati, Rina Sari. "Understanding Halal Food SMEs� behavior intention towards e-money." International Journal of Islamic Business Ethics 5, no. 2 (September 30, 2020): 113. http://dx.doi.org/10.30659/ijibe.5.2.113-124.
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This study investigates halal food SMEs intention on use e-money. Prior to the existence of e-money, banking was a solution for small and medium enterprises (SMEs) in doing business and making transactions. Entering the era of the rise of fintech, banks are also competing in issuing their respective electronic money. �The lack of interest in halal culinary SMEs in using electronic money, it is important for fintech companies to be able to know and understand perceptions to increase interest in re-transacting using electronic money. However, these are few studies discussed behavioral intention in this new area. Consequently, this study examined the factors that influence SMEs' intention to use e-money. A total of one hundred respondents are selected using quantitative method as sources of data collection. The questionnaires are distributed using purposive sampling method in Surakarta, Indonesia. The software used for analysis is the SPSS 20. This study concludes with conclusion and limitation.
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Aseh, Khairi. "SHARIAH COMPLIANT ELECTRONIC MONEY IN MALAYSIA: KEY CONCERNS AND ITS PERMISSIBILITY." Archives of Business Research 8, no. 12 (December 20, 2020): 1–5. http://dx.doi.org/10.14738/abr.812.9407.
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This paper explains the four main concerns on Shariah-Compliant Electronic Money in Malaysia derived from a discussion meeting by The Shariah Advisory Council of Bank Negara Malaysia (hereafter, SAC). This paper also discussed the permissibility of electronic money from the Islamic Shariah perspective. Hence, this paper is useful for any approved issuer that intends to offer Shariah-compliant e-money. Approved issuers are encouraged to educate their users on the essence of the Shariah-compliant e-money product to avoid misunderstanding of the Shariah ruling.
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Gaol, Ford Lumban, and Tito Supangkat. "RISK MANAGEMENT OF ELECTRONIC MONEY (e-MONEY) USING OCTAVE ALLEGRO METHODOLOGY: CASE STUDY PT. XYZ." Far East Journal of Electronics and Communications 17, no. 2 (May 11, 2017): 259–66. http://dx.doi.org/10.17654/ec017020259.
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TAMADA, Ryuichi, Takashi YAHATA, and Yuji KIKUTA. "E-money System and Core Technology." Journal of The Institute of Electrical Engineers of Japan 139, no. 10 (October 1, 2019): 686–89. http://dx.doi.org/10.1541/ieejjournal.139.686.
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Semenets, Anna, and Kateryna Shymanska. "ORGANIZATIONAL SUPPORT OF ACCOUNTING FOR ELECTRONIC MONEY." International Journal of New Economics and Social Sciences 4, no. 2 (December 30, 2016): 0. http://dx.doi.org/10.5604/01.3001.0010.3923.
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Procedure of accounting organization for electronic money by methodical, technical and organizational stages has been defined. Methodical step of accounting organization of electronic money includes a range of specific application elements of accounting method (documentation, registration, synthesis, communication of information). Technical stage of e-money accounting includes the choice of Cloud-computer accounting form that enables multifunctional access to an accounting system. The main duties of the accountant on accounting for electronic money that is necessary to register in job description have been presented concerning organizational stage of organization accounting by us.
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Dewi Anggadini, Sri, and Wulandari Dianti Putri. "Application in Payment to Support Small, Micro, and Medium Enterprise." Journal of Business and Behavioural Entrepreneurship 5, no. 1 (June 17, 2021): 142–48. http://dx.doi.org/10.21009/jobbe.005.1.09.
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This study aims to determine whether e-Money boosts income in Small Micro Medium Enterprises. This study used descriptive quantitative method. Some people including SMEs entrepreneurs feel that making digital payments e-Money types are helpful in the transaction process because they are non-cash and can be keep in electronic devices minimizing risks of theft. E-Money or electronic money involved in the type of digital payment that involves the use of a computer network. The result of this paper is that E-money has many benefits for consumers, especially for MSMEs (Micro, Small, and Medium Enterprises) because its existence will shorten the time and cost of efforts to develop MSME businesses.
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Joyce, Brian P. "E‐diligence: Money Laundering Risks in the Electronic Arena." Journal of Money Laundering Control 5, no. 2 (April 1, 2001): 146–49. http://dx.doi.org/10.1108/eb027300.
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The advent and increasing application of electronic commercial transactions, e‐banking, new payment technologies and digital currencies poses a threat to traditional due diligence systems in the international campaign against money laundering. As the electronic infrastructures of global commercial transactions and Internet financial services incubate, compliance dilemmas continue to evolve.
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Mulyana, Agus, and Hanhan Wijaya. "Perancangan E-Payment System pada E-Wallet Menggunakan Kode QR Berbasis Android." Komputika : Jurnal Sistem Komputer 7, no. 2 (October 31, 2018): 63–69. http://dx.doi.org/10.34010/komputika.v7i2.1511.
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Sistem pembayaran uang elektronik (e-payment) adalah metode alat pembayaran nontunai yang disimpan di dalam server based (e-wallet) atau chip based (e-money). Dengan tujuan, dapat mempermudah penguna saat melakukan transaksi pembayaran atau transfer. Saat ini di Indonesia penguna e-wallet masih lebih kecil dibandingkan pengguna e-money, dikarenakan metode penggunaan e-money dianggap lebih mudah dan fleksibel. Beragamnya metode transaksi pembayaran serta fitur transfer yang hanya ke sesama pengguna e-wallet, membuat e-money lebih digemari masyarakat Indonesia. Untuk memenuhi kebutuhan tersebut maka dari itu perlunya Electronic Data Capture yang dapat memberikan pilihan bagi pengguna untuk bertransaksi menggunakan beberapa metode, yaitu menggunakan sidik jari, kartu rfid, atau aplikasi android.
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Dehghan, Fariba, and Amirhossein Haghighi. "E-money regulation for consumer protection." International Journal of Law and Management 57, no. 6 (November 9, 2015): 610–20. http://dx.doi.org/10.1108/ijlma-06-2014-0042.
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Purpose – The purpose of this paper is to analyze the regulatory framework of e-money transactions in terms of consumer protection approach, the base for regulatory and supervisory system. Design/methodology/approach – This research is based on descriptive-qualitative studies in electronic and cyber commerce. The authors have first explained the importance of regulation for consumer protection and have then showed the position of regulation in e-money; thus, the authors have noted two important and predominant concepts of consumer protection: safe arrangement in e-money and problem of information secrecy and asymmetry. The leading approach in this paper is for efficient allocation of resources between dealers and player of this scope and the authors find consumer protection as the best regulation instrument in this way. Findings – The paper argues that e-money is an efficient and user-friendly payment system and might be used as a general means of payment in the real and virtual worlds. This finding provides a major reason for regulatory frameworks in e-money. Originality/value – Some important regulation applications in this new scope of commerce involve indirect interference and making orders in transactions. In this paper, the authors have focused on consumer protection regulation that may have a positive effect on dealers, businessmen and women in the long run; thus, this approach also compares other studies within the scope of e-money.
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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. This research applied a quantitative method by using a questionnaire as an instrument to collect the data. Further, the data were then analyzed by applying multiple linear regression models. As result, it was revealed that partially using e-money in students’ consumption behavior had a negative and an insignificant influence, while using debit cards had a positive and significant influence on students’ consumption behavior. Thus, based on the F test results, it is proved that using e-money and debit cards together have a significant impact on students’ consumption behavior.
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Wulandari, Dwi, Thomas Soseco, and Bagus Shandy Narmaditya. "Analysis of the Use of Electronic Money in Efforts to Support the Less Cash Society." International Finance and Banking 3, no. 1 (January 28, 2016): 1. http://dx.doi.org/10.5296/ifb.v3i1.8802.
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Technological developments have had an impact on all aspects of life including changes to existing payment systems. Electronic money (E-Money) is a non cash payment instrument in addition to credit cards and debit cards. E-money offers advantages over debit cards and credit cards that give the ease, speed, and efficiency. The issue discussed in this research covers the intensity of the use of e-money, the volume of transactions, preferences, and perceptions about the use of e-money at the Faculty of Economics, State University of Malang. This study used a qualitative approach. The findings showed that only a small portion of the respondents (17.07%) has already been used BRIZZI card as a means of payment. Majority of students simply do as much as 3-5 times transaction per month. The volume of transactions in using E-money is still low. Student preference to use BRIZZI is relatively small. Most of the respondents supported less cash society because they believe it will promote economic growth and stability.
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Aimon, Hasdi, Sri Ulfa Sentosa, and Moh Ridha Mahatir. "E-money and Stock: Empirical Evidence from Indonesia and Thailand." Signifikan: Jurnal Ilmu Ekonomi 10, no. 1 (March 14, 2021): 139–48. http://dx.doi.org/10.15408/sjie.v10i1.15380.
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E-money is a type of electronic or digital payment that replaces cash payments. These technological developments will have an impact on reducing the use of cash. The use of e-money possibly affects stock, which is a form of securities. Therefore, the purpose of this study is to assess the relationship between e-money and stock. The study uses the two-stage least squares model to analyze quarterly data for 2011Q1-2019Q4. The study found no relationship between stock and e-money in Indonesia, whereas, in Thailand, there was a relationship between stock and e-money. There is no relationship between e-money and stock in Indonesia and Thailand. The study recommends the Indonesian government or central bank adopt the policies that Thailand has implemented in stock that affects e-money. Stocks can affect the use of e-money due to the profits or losses of the stock that will impact the use of e-money.JEL Classification: D53, E40How to Cite:Aimon, H., Sentosa, S. U., & Mahatir, M. R. (2021). E-money and Stock: Empirical Evidence from Indonesia and Thailand. Signifikan: Jurnal Ilmu Ekonomi, 10(1), 139-148. https://doi.org/10.15408/sjie.v10i1.15380.
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Gintting, Zakhariantara, Syaipan Djambak, and Mukhlis Mukhlis. "Dampak transaksi non tunai terhadap perputaran uang di Indonesia." Jurnal Ekonomi Pembangunan 16, no. 2 (July 4, 2019): 44–55. http://dx.doi.org/10.29259/jep.v16i2.8877.
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The objective of this study was to analyze the impact of the use of electronic money (e-money) to the velocity of money in Indonesia. The use of this payment instrument makes consumers easy to pay, thereby increasing the level of consumption. Data used is the nominal of transaction in 2013 to 2017 from Bank Indonesia database. The method in this study used regression model with OLS (Ordinary Least Square) estimate. The finding in this study showed e-money transactions consisting of the nominal e-money transactions, nominal ATM-Debit card transactions and nominal credit card transactions partially no significant effect on the velocity of money in Indonesia
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Iswara, Ganesha Triutomo, Kevin Wialdy, and Sabrina Oktaria Sihombing. "Predicting the Relationship of Antecedent Variables of Intention to Use: Empirical Analysis on E-Money Application." Jurnal Dinamika Manajemen 10, no. 2 (February 10, 2020): 256–68. http://dx.doi.org/10.15294/jdm.v10i2.20443.
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This study aims to predict the relationship of perceived usefulness, perceived ease of use, relative superiority, nature of transactions, and substitution to adoptions that affect intention to use of smart phone-based electronic money. The variables in this study are relative advantages, transaction nature, perceived usefulness, and perceived ease of use, substitution and adoption of electronic money. Data collection techniques in this study were conducted using a questionnaire with judgmental sampling method. The size of the respondents is 142 respondents. The data obtained is analyzed using Structural Equation Modeling (SEM). The results show that the six hypotheses are supported. The intention to use electronic money is also influenced by the adoption of electronic money. The adoption of electronic money is a significant predictor of intention to use electronic money. This study also provides limitations and suggestions for further research.
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Tanu, Michael, Rita Komala Dewi, and Heni Iswati. "Customer Perception of Bandung City Societyon E-Money Usage for the Highway Service Payment." Jurnal Manajemen Teori dan Terapan | Journal of Theory and Applied Management 11, no. 3 (February 11, 2019): 255. http://dx.doi.org/10.20473/jmtt.v11i3.10024.
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E-commerce has been used in many business transactions because of its practicality and easiness for the users. In addition, it also provides easiness in control. The use of electronic money (e-money) as a non-cash payment alternative has a huge potential in decreasing the use of cash money. E-money provides faster and more comfortable transactions compared to the cash money, especially for the small-amount transactions. With e-money, every transaction is simpler, cheaper, and easier both for the buyers and sellers. One of the government interventions has recently been that every highway transaction can only be paid using e-money. This policy has resulted in a various response from the consumers or society at large. This research is aimed at exploring the perception of the consumers or society in Bandung on e-money policy for highway service payment. The method used in this research is a descriptive method. The data collection techniques used are literature study and questionnaire distributed to 100 respondents who ever used e-money in their transaction. The results of this research showed that the implementation of e-money is already good. But, there are some constraints in the aspect of service and technology. Those things are based on the measurement using the basic model of Technology Acceptance Model (TAM).
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Sun, Ping, and Hui Wang. "Evaluation of the E-Money Risk Based on ANP." Key Engineering Materials 460-461 (January 2011): 347–50. http://dx.doi.org/10.4028/www.scientific.net/kem.460-461.347.
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Electronic money as major trading and payment tool has become an irreversible worldwide trend instead of traditional bank notes. The Analytic Network Process (ANP) was used in the paper for evaluation of the E-money risk. ANP is a feedback and interdependence process developed on the basis of AHP.
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Lestari, Puji, and Neni Nofriantika. "LITERASI UANG ELEKTRONIK DI KALANGAN MAHASISWA." Islamic Review : Jurnal Riset dan Kajian Keislaman 7, no. 1 (September 28, 2018): 94–109. http://dx.doi.org/10.35878/islamicreview.v7i1.138.
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Electronic money or e-money as a means of non-cash payments (electronic payment), is now interested in Indonesian society. Institut Pesantren Mathali'ul Falah (IPMAFA) is a university that has more than 200 students who studied economics focus in particular knowledge of banking Shari'ah. Despite being in the city with minimal transport facilities-based computer line, but the reach of internet facilities were adequate and modern minimarkets nearby, prompting researchers to determine the level of understanding and use of electronic money among the college students. Data collected through interviews with 21 respondents representing 10% students of Islamic banking. By using data analysis techniques Miles and Huberman researchers succeeded in preparing the conclusions of this study. Based on the analysis and discussion, the study concluded that the level of knowledge of students of the Institut Pesantren Mathali'ul Falah regarding electronic money based on the theory Personal Capability Maturity Model (P-CMM), these figures are still at the stage where an individual ever had an experience once or twice, and considers e-payment technology is an essential component for achieving the desire and troubleshooting. While the level of use of electronic money mostly students of the Institute Pesantren Mathali'ul Falah is at a level where an individual has repeatedly using e-payment technology to help with daily activities and has had a recurrence pattern in its use. This means that not all students get to know and use electronic money as a means of non-cash payments.
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Krismawintari, Ni Putu Dyah, Yeyen Komalasari, I. Gusti Bagus Rai Utama, Christimulia Purnama Trimurti, and I. Wayan Ruspendi Junaedi. "Decision Model of Use E-Money in Covid-19 Pandemic Situation." Technium Social Sciences Journal 10 (July 29, 2020): 280–90. http://dx.doi.org/10.47577/tssj.v10i1.1333.
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this research was conducted to determine what variables influenced the e-money usage decision model during the Covid-19 pandemic. The survey involved 160 respondents during the Covid-19 pandemic. This research uses a quantitative approach using structural analysis of the SEM-AMOS model. A person's decision to use e-money is significantly influenced by concerns about Covid-19 transmission when they leave the house. Other variables are the frequency of someone searching for news about Covid-19, transaction behavior, ease of electronic money, efforts to attract the use of E-Money by service providers, and the use of cash when COVID-19 does not have a significant effect. Suggestions that can be given if e-money services want to increase public interest in using non-cash services, it is necessary to increase the security of transactions and provide facilities or service features that can be accessed from home.
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Vilhushynskyi, Mykhailo, and Oksana Ulianovska. "ADMINISTRATIVE AND CIVIL LEGAL REGULATION OF PUBLIC ADMINISTRATION BODIES' ACTIVITY IN THE SPHERE OF ELECTRONIC MONEY TURNOVER TAKING INTO ACCOUNT PUBLICITY AND TRANSPARENCY PRINCIPLES." Baltic Journal of Economic Studies 6, no. 1 (March 16, 2020): 26. http://dx.doi.org/10.30525/2256-0742/2020-6-1-26-34.
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The article is devoted to the study of administrative and civil legal regulation of the public administration bodies' activity in the sphere of electronic money turnover, in particular, taking into account the publicity and transparency principles. The author emphasizes that publicity and transparency principles of administrative and civil legal regulation in the sphere of electronic money turnover are modern universally recognized democratic values of the European civilization, which serve as a benchmark for state legal reforms in the countries of Central and Eastern Europe. The author also points out that the transparency principle is of outmost importance for administrative and civil legal regulation of public administration bodies' activity in the sphere of electronic money turnover and, moreover, the principle appears to be a key characteristic of public administration as a whole, which ensures proper interaction between the state and citizens in a form that provides state authorities of different branches with information in all spheres or access to it, except for statutory restrictions on the provision of information. According to this principle, the activity of public bodies should be as transparent as possible, except for those cases when information constitutes state secret. Furthermore, the transparency principle not only ensures proper interaction between the state and its citizens, but also positively influences the rule of law. On the other hand, the publicity principle is a principle of administrative and civil legal regulation of public administration bodies' activity in the sphere of electronic money turnover that becomes apparent in a form of public control exercised over the public administration bodies' activity. The publicity principle characterizes public administration democracy, and open and transparent activity of public authorities that enables citizens to become personally familiar with the work of public administration. Moreover, publicity is closely connected with democratisation of public authorities, which, in turn, indicates the principle's intention to become closer to society and more effectively ensure efficient public administration, especially in the sphere of legal regulation of electronic money turnover. The article emphasizes that principles of publicity and transparency in administrative and civil legal regulation of public administration bodies in the sphere of electronic money turnover are not identical. Transparency means the availability of electronic money for all citizens, while publicity means not only availability, but also the possibility for the general public to discuss the course and results of such a process, that is, a way of forming public opinion, its evaluation of activities related to electronic money turnover, which public administration authorities should take into account in order to improve their work. The paper also examines issues related to the legal status of electronic money, the definition of this concept at the legislative level and in practice. The author analyzes issues of current legal regulation of e-money as a means of payment under the Ukrainian legislation. The article identifies that using electronic money allows saving on cash maintenance costs, reducing transaction time, and, at the same time, electronic money keeps having the same functions as traditional fiat money, which makes it highly plausible to get cash replicated with e-money, though such a transition still requires a developed and effective regulatory framework. Methodology. In the course of this article preparation, a whole range of philosophical and ideological approaches (dialectical, as a way of thinking based on the analysis of all available views on the content of administrative and civil legal regulation of public administration bodies' activity in the sphere of electronic money turnover; analytical, based on cognitive activity by proving or refuting the definition of transparency and publicity in the electronic money turnover sphere; hermeneutic, applied for understanding terms related to the legal regulation of public administration bodies' activity in the electronic money sphere; general scientific research methods (logical, based on ascending from simple to complex, from abstract to specific as related to general characteristics of legal regulation in the sphere of electronic money turnover; special methods (systemic and structural, particularly in the process of providing legal support related to electronic money turnover, comparative legal research, aimed at the examination of foreign experience, formal legal or formal logical). Results. According to the research results, the author has determined the publicity and transparency principles of administrative and civil legal regulation of public administration bodies activity in the sphere of electronic money turnover, where the principle of transparency allows to ensure the interaction between the state and its citizens in the form of exchange of information derived from all spheres or by granting access to such information, except for the information with restricted access. According to this principle, the activity of public administration bodies should be as transparent as possible, except in cases when it constitutes state secret. The principle of publicity not only ensures interaction between the state and its citizens, but also helps strengthen the rule of law. In turn, publicity as a principle of administrative and civil legal regulation of activities of public administration bodies in the sphere of electronic money turnover is a form of exercising public control over the activities of public administration. The principle of publicity characterizes democracy of public administration. Special emphasis is given to the need to legally enshrine electronic money as a means of payment in the legislation of Ukraine as the most convenient form of using electronic money, which allows to save on cash maintenance costs, reduce transaction time, and, at the same time, electronic money keeps having the same functions as traditional fiat money, which makes it highly plausible to get cash replicated with e-money, though such a transition still requires a developed and effective regulatory framework. Practical implications. The results of this scientific article can be used in legislative framework for legal regulation of activities of public administration bodies in the sphere of electronic money turnover. The provisions of the article may also be used in scientific activities to further investigate the principles of publicity and transparency in administrative and civil legal regulation of the activities of public administration bodies in the sphere of electronic money turnover. In addition, the paper’s provisions can be used for educational purposes, during lectures and seminars on civil, information and administrative law. Value/originality. Scientific novelty of the obtained results is that the scientific article summarizes the existing normative and doctrinal approaches to understanding administrative and civil legal regulation of the activities of public administration bodies in the sphere of electronic money turnover; knowledge of the principles of publicity and transparency of administrative and civil legal regulation of activities of public administration bodies in the sphere of electronic money turnover has been systematized. The paper also identifies trends in the development of legal regulation in the sphere of electronic money turnover.
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Alfansi, Lizar, and Muhammad Yasser Iqbal Daulay. "Factor affecting the use of e-money in millennial generation: Research model UTAUT 2." Jurnal Manajemen dan Pemasaran Jasa 14, no. 1 (April 6, 2021): 109. http://dx.doi.org/10.25105/jmpj.v14i1.8212.
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<p>This study aims to determine the factors that influence users in using electronic money in transactions. The Unified Theory of Acceptance and Use of Technology (UTAUT) is used as a research model with independent variables: performance expectations, facility conditions, social influence, expectations, perceived values, habits, beliefs, and hedonic motivation. The dependent variable in this study is actual use and interest to be used as a mediator variable. This research method uses an online survey method that is distributed using Google Surveys. This study's sample was 194 electronic money users spread across three major cities in Indonesia, such as DKI Jakarta, West Java, and Central Java. Primary data collected were analyzed using SmartPLS software. The study results explain that trust is a substantial factor in influencing the use of electronic money. Companies, in this case, must pay attention to system security factors to be able to attract millennials using electronic money.<strong></strong></p>
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Hapsari, Yumasepta Rizky, Darwanto Darwanto, and Edy Yusuf Agung Gunanto. "The Role of Technology Acceptance Model Theory and the Relationship with Hifz Mal in the Phenomences of Using E-Money in the Milenial Era." Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah 3, no. 2 (April 25, 2021): 270–89. http://dx.doi.org/10.47467/alkharaj.v3i2.355.
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This research aims to see the role of the Technology Acceptance Model theory that can influence the millennial generation in using e-money and its relationship with hifz mal. The basic variables are ease and usefulness, and also three other variables, namely security, trust and experience. The research model was empirically tested using a data collection method through questionnaires for millennial generation of e-money users, namely students of the Faculty of Economics and Business, Diponegoro University using multiple linear regression analysis techniques using the SPSS 22 application. The results showed that usefulness and trust variables have a positive and significant effect on the use of e-money. Meanwhile, convenience, security and experience do not play a role in influencing the millennial generation in using e-money. The connection with hifz mal is that the use of e-money provides convenience and benefits for its users while providing security guarantees, so that Muslim users of electronic money avoid things that are not in accordance with the Islamic economic system.
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Pyrkina, Olga E., and Sergey A. Zadadaev. "Application of Graph Analytics for Simulations of Electronic Money Turnover: Solutions, Evaluations, Forecasts." EPJ Web of Conferences 224 (2019): 06006. http://dx.doi.org/10.1051/epjconf/201922406006.
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The graph model for electronic money turnover developed in this paper considers the system of electronic money turnover as a technological complex network. This network includes systems of electronic money payments, communications between bank and its clients, and interbank communications. The application of the graph models is based on its essential advantages such as an opportunity to expand this system to arbitrary size and visualization of the system links. While graph plotting provides us with the opportunity of carrying out qualitative (visual) system analysis, e computations of the graph metric allows performing a more quantitative analysis. The composite metric, created on the base of graph centrality measures and giving us possibilities of estimating and ranking potential risks, is considered as a foundation for methods of stability, quality and economic security control for systems of the electronic money turnover. A validity of this classification has been investigated and supported by the so-called crash tests, which simulate the random consecutive deleting of graph nodes represented in the real life by communication network nodes, for example, banks or other members of electronic money turnover system, and also by the analysis of the overall performance of the system.
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Glady, Jovlin Evrodita, and Rinny Rantung. "ANALISIS DETERMINAN NIAT MENGGUNAKAN E-MONEY DI KALANGAN MILLENNIALS DENGAN PENDEKATAN UTAUT." Klabat Journal of Management 1, no. 1 (February 28, 2020): 90. http://dx.doi.org/10.31154/kjm.v1i1.451.90-104.
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The development of science and technology has an impact on all aspects of life, especially in the payment system in Indonesia. This makes the banking industry improved the innovations in payment system, namely the electronic payment system or e-money. The purpose of this study is to analyze what factors influence millennial intention to use e-money using the Unified Theory of Acceptance and Use of Technology approach. The researcher used the Structural Equation Modeling approach using STATA software. Respondents in this study were 422 millennials. Data used in this study were primary data using a questionnaire, with googleform as a tool to collect data. Descriptive data of this study showed that 54% of the total 422 respondents did not use e-money, but 98% had intention to use e-money in the future. On the other hands the results of this study found that millennial intention to use e-money was significantly positively influenced by performance expectations, followed by business expectations, social influence, self-efficacy and security. Facility conditions are the only variable that does not significantly influence millennial intention to use e-money.
Perkembangan ilmu pengetahuan dan teknologi berdampak pada semua aspek kehidupan, khususnya dalam sistem pembayaran yang ada di Indonesia. Hal ini membuat industri perbankan mengembangkan inovasi baru dalam sistem pembayaran, yaitu sistem pembayaran elektronik atau e-money. Tujuan dari penelitian ini adalah untuk menganalisa faktor-faktor apa saja yang mempengaruhi niat milenial untuk menggunakan e-money dengan pendekatan Unified Theory of Acceptance and Use of Technology. Peneliti menggunakan pendekatan Structural Equation Modeling dengan menggunakan perangkat lunak STATA. Responden dalam penelitian ini adalah generasi milenial sebanyak 422 responden dan data yang digunakan dalam penelitian ini adalah data primer dengan menggunakan kuesioner yang dibagikan melalui fasilitas google form sebagai alat untuk mengumpulkan data. Data deskriptif penelitian ini menunjukkan 54% dari total 422 responden belum menggunakan e-money, namun 98% memiliki niat menggunakan e-money di waktu mendatang. Di sisi lain hasil penelitian ini mendapati bahwa niat milenial untuk menggunakan e-money dipengaruhi secara positif signifikan oleh harapan kinerja, diikuti harapan usaha, pengaruh sosial, efikasi diri dan keamanan. Kondisi fasilitas merupakan satu-satunya variabel yang tidak berpengaruh secara signifikan terhadap niat milenial untuk menggunakan e-money.
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Rahmatika, Ula, and Muhammad Andryzal Fajar. "FAKTOR - FAKTOR YANG MEMPENGARUHI MINAT PENGGUNAAN ELECTRONIC MONEY: INTEGRASI MODEL TAM – TPB DENGAN PERCEIVED RISK." Nominal: Barometer Riset Akuntansi dan Manajemen 8, no. 2 (September 19, 2019): 274–84. http://dx.doi.org/10.21831/nominal.v8i2.26557.
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Abstrak : Faktor – Faktor yang Mempengaruhi Minat Penggunaan Electronic Money : Integrasi Model TAM – TPB dengan Perceived Risk. Tujuan dari penelitian ini adalah untuk mengetahui faktor-faktor yang mempengaruhi minat penggunaan e-money. Jenis penelitian ini merupakan penelitian kuantitatif. Sampel penelitian ini adalah 260 responden mahasiswa Universitas Negeri Yogyakarta. Sampel diambil menggunakan teknik convinience sampling. Metode analisis yang digunakan yaitu Structural Equation Modeling (SEM) dengan menggunakan Partial Least Square (PLS). Hasil penelitian ini menunjukkan bahwa sikap, persepsi manfaat, persepsi kemudahan penggunaan, norma subjektif, dan persepsi kontrol perilaku mempengaruhi minat penggunaan e-money, sementara persepsi risiko kinerja, risiko sosial, risiko waktu, risiko keuangan, dan risiko keamanan tidak menunjukkan adanya pengaruh terhadap minat penggunaan e-money.Kata kunci: Model Penerimaan Teknologi (TAM), Teori Perilaku Rencanaan (TPB), Uang Elektronik, Persepsi Risiko
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Prayidyaningrum, Shabrina, and Moh Djemdjem Djamaludin. "Theory of Planned Behavior to Analyze the Intention to Use the Electronic Money." Journal of Consumer Sciences 1, no. 2 (August 31, 2016): 1. http://dx.doi.org/10.29244/jcs.1.2.1-12.
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<p>This study aimed to analyze the knowledge, attitude, and purchase intention on electronic money among undergraduate students approached by the Theory of Planned Behavior (TPB). The study involved 100 undergraduate students of Bogor Agricultural University (IPB) which were selected randomly. The design of the study was cross sectional study with simple random sampling method. The results showed that attitude and intention to use was the high category, while the greatest proportion of subjective norm and behavioral control were at the middle category. Meanwhile, according to the model of Theory of Planned Behavior (TPB), attitude, subjective norm, and behavioral control had positive correlations with intention to use e-money. Attitude and subjective norm affected intention to use e-money.</p>
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Mustikawati, Mustikawati, Fadila Fadila, and Muharir Muharir. "ANALYSIS OF THE USING OF E-MONEY IN INDUSTRIAL REVOLUSTION 4.0." I-ECONOMICS: A Research Journal on Islamic Economics 5, no. 2 (December 26, 2019): 164–82. http://dx.doi.org/10.19109/https://doi.org/10.19109/ieconomics.v5i2.5025.
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Recently, the financial technology (fintech) issue has risen in significance impact. Thus, it cannot be denied, fintech has been involved in daily transaction. It is such as payment, bonds transaction, loan, and other. The society tends to use the non-cash transaction because it gave convenience and time efficiency. The aim of this research is to discuss how the law of the use of E-Money (Electronic money) in non-cash transaction in Indonesia. The method was conducted by library research. The findings of the research; there are the different opinions among academicians and ulamas. The first opinion is based on Hanafi Madzhab and the second opinion is based on Syafei madzhab. The Hanafi Madzhab allows the Electronic money without any doubt, but Syafei Madzhab elaborates that in muamalah transaction so there must be a clear Akad in every transaction
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Wulandari, Indah Retno, and Sumadi Sumadi. "ANALYSIS OF BEHAVIOR USING E-MONEY WITH A TAM APPROACH (TECHNOLOGY ACCEPTANCE MODEL)." Manajemen Bisnis 10, no. 1 (July 20, 2020): 24. http://dx.doi.org/10.22219/jmb.v10i1.10861.
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E-money is a non-cash electronic payment instrument that is currently growing rapidly in Indonesia. Based on Bank Indonesia data, there are already 39 banking and non-bank companies that have obtained permits to issue e-money products. This study aims to determine and analyze perceptions of the benefits of attitudes, perceptions of ease of attitudes, levels of trust in interests, attitudes affect interests, and interests influence behavior using E-Money.The population in this study were all e-money users in the Java Island region. Samples taken in this study are some e-money users in the Java Island region, amounting to 200 respondents. Sampling using non-probability techniques with convenience sampling method and research models were analyzed using Structural Equation Model (SEM), using the help of AMOS software.The results of this study indicate that the perception of benefits has a significant positive effect on attitude, the perception of ease has a significant positive effect on attitude, the level of trust has a significant positive effect on interest, attitude has a significant positive effect on interest and interest has a significant positive effect on behavior using e-money.
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TADTAEVA, V. V., B. E. BAGAEV, A. A. BESAEVA, and A. E. KALMANOVA. "DEVELOPMENT OF ELECTRONIC PAYMENT SYSTEMS IN A PANDEMIC: ANALYSIS OF THE STATE AND FIRECASTING THE CONSEQUENCES." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 1, no. 5 (2021): 112–17. http://dx.doi.org/10.36871/ek.up.p.r.2021.05.01.014.
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Money is an integral part of the economic life of society. Payments are made both in cash and in non-cash form. During the COVID-19 epidemic, the use of electronic payment systems became the most profitable. The article examines the role of electronic money in the modern world in the context of a pandemic. Is given a rating of e-payment systems in Russia for 9 months. 2020.
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Dwi Susanti, Rizki Aprilia, Dewi Fardahlia, and Poppy Indrihastuti. "KEMUDAHAN DAN KEMANFAATAN PENGARUHNYA TERHADAP KEPUTUSAN PENGGUNAAN SISTEM PEMBAYARAN E-MONEY OVO, GO-PAY, DAN DANA." J-MACC : Journal of Management and Accounting 4, no. 1 (April 30, 2021): 57–71. http://dx.doi.org/10.52166/j-macc.v4i1.2404.
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The results of this study use quantitative research. Data were collected using a questionnaire of 90 respondents and the population in this study were management students at the University of Tribhuwana Tunggadewi Malang with the research sample used was purposive sampling. Data were analyzed using multiple linear regression analysis with the result that the effect of convenience partially had a significant effect on the electronic money payment system with a value of t arithmetic> t table and a significant value <0.05. The effect of partial benefit has a significant influence on the electronic money payment system with a value of t arithmetic> T table and a significant value <0.05. While simultaneously the effect of convenience, and expediency has a significant effect on the electronic money payment system by producing a significant probability value <0.05, simultaneously the ease and benefit variable has a significant effect on the electronic money payment system with case studies of ovo, go-pay users and funds to management students at the Malang Tribhuwana Tunggadewi University.
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Widayat, Widayat, Ilyas Masudin, and Novita Ratna Satiti. "E-Money Payment: Customers’ Adopting Factors and the Implication for Open Innovation." Journal of Open Innovation: Technology, Market, and Complexity 6, no. 3 (July 29, 2020): 57. http://dx.doi.org/10.3390/joitmc6030057.
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This investigation was carried out on the adoption of the e-money payment model with the application of a quantitative and qualitative approach (mixed methods). Online questionnaires, which included closed-ended questions on a Likert five-point scale and open-ended questions, were distributed through social media chat groups. Respondent samples were drawn from the population of adolescent customers in Indonesia. The collected questionnaires were verified for accuracy, reliability, and validity before the data were analyzed. Adequate data were used to test the relationship model between latent variables, and the relationship of latent variables in the model was tested using partial least squares by employing Smart-PLS 3.0 software and NVIVO 12 plus. The final analysis shows that the reasons for adopting e-money are practicality and convenience. The main reasons that customers adopt electronic money are its practicality, ease of use, efficient transaction time, faster payment, and the simplicity of the payment process. The final modeling formed good-fit inner and outer models. This model verifies the significant influence of social factors, effort expectancy, and facilitation conditions on e-money attitudes. Additionally, social factors, effort expectancy, and attitudes have a significant influence on e-money behavior.
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Sayuti, Muhammmad Noor, and Wijaya Wijaya. "E-MONEY DITINJAU DARI DIMENSI MAQĀṢID AL-SYARĪ’AH." JURNAL AL-QARDH 3, no. 1 (February 11, 2019): 13–27. http://dx.doi.org/10.23971/jaq.v3i1.1182.
Full textAbstract:
The increasing popularity of technology-based pasyment system substanstially changes conventional payment system design from cash payment system to non-cash payment system. Gradually, the expansion is impressive enough to change paradigm of economist in micro-transaction settlement, as well as becoming the root of Less Cash Society spirit creation.One of the instruments of non-cash payment which has been a trend today is E-money.It is an electronic-based non-cash payment. Some studies showed that there was a positif impact to monetery policy earned from this trend, its influence in the level of velocity of money and the effort to reduce the use of cash payment as an effort to hold inflation flow. The purpose of this study is to find out maqāṣid al-syarī’ah dimension, which is a philosophical study about the real purpose of Syariat Islam. In this study, the data was analyzied by Qualitative-normative approach using inductive-analysis method. Maqāṣid al-syarī’ah dimension was observed using the theory of maṣlahah principle as a tool of analysis. It aimed to find out the advantage of e-money either in conventional economic concept or Islam concept, which is the aspect of utility and maṣlahah. Maṣlahah has become part of integration in studying Maqāṣid al-syarī’ah. It's due to the real meaning ofmaṣlahah is implement the purpose of syara’ as an effort in developing human life generally for now and hereafter. By observing maṣlahah principle toward e-money products including its derivative products which have become a trend these days, so it shows that the products of e-money only benefits the secular dimension. Precision in considering maṣlahah is indeed essential as extracting the ukhrawi dimension which has the same purpose with syariah principles, considering it e-money has the potential to completeness choice of product for sharia financial institution.
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BINDA, Jacek. "E-business challenges in the field of payment solutions - Bitcoin a sustainable currency or gambling." ASEJ Scientific Journal of Bielsko-Biala School of Finance and Law 22, no. 3 (October 30, 2018): 1–8. http://dx.doi.org/10.5604/01.3001.0012.7280.
Full textAbstract:
Money is a widely accepted commodity allowing to determine the economic value of purchased goods and services and to make payments. Over the centuries, "money" has been constantly evolving. In recent times, following dynamic development of various forms of e-business, dematerialized money has emerged. However, in constantly changing conditions it is very difficult to grasp the essence of the so called e-money or cryptocurrencies. The paper tries to define Bitcoin, one of the most recognizable cryptocurrencies, and answer the question whether investing in cryptocurrencies is a serious business or a mere gambling. In search for the answers, the author reviews literature on the topic and conducts his own risk analysis based on Value at Risk measure, of selected traditional currencies and Bitcoin. The results of the analysis unambiguously show that investments in Bitcoin are burdened with definitely much higher risk. Furthermore, conclusions of the considerations clearly show that despite growing popularity of cryptocurrencies they do not fulfill the definition of both electronic money or money in general. The paper attempts to discuss selected issues related to Bitcoin cryptocurrencies from the monetary point of view but also with respect to restrictions of Bitcoin as a means of payment, investments in Bitcoin and risk assessment.
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Salzabella, Syafira, Ujang Sumarwan, and Lilik Noor Yuliati. "Analysis of Factors Influencing Consumers in Using the E-Wallet Application." International Journal of Research and Review 8, no. 6 (June 15, 2021): 45–58. http://dx.doi.org/10.52403/ijrr.20210608.
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The development of electronic money in Indonesia is quite rapid, this is proven to increase the volume of electronic money transactions in 2020 estimated to reach 3.7 billion with the number of electronic money in circulation of 51 electronic money. This research uses TAM which is a model that identifies the acceptance and use of technology for consumers, in this case the e-wallet application. The variables in this study include perceived ease of use, perceived usefulness, advertisements, cashback promos, product innovation and intention to use. This research aims to: 1) analyze demographics, perceived ease of use, perceived usefulness, advertisements, cashback promos, product innovation and the intention to use the e-wallet application services;2) analyze the factors affecting consumers in using the e-wallet application; 3) formulate managerial implications that can be implemented by service providers to increase the use of e-walletapplications. The study was conducted from August 2020 to March 2021. The number of samples used in this study was 407 respondents. Data analysis used descriptive statistics and SEM (Structural Equation Model) with SmartPLS software. The results showed that creating user friendly features to attract new users and retain old users; maintaining the quality of transaction services in terms of speed, convenience and practicality; improving service access when topping up and transferring balances to other users; service providers need to educate and socialize about e-wallets by utilizing cashback promos; improve security systems to safeguard users' personal data; there is a need for a legal protection for application users; and increasing the number of merchants on e-wallet applications. Keywords: intention to use, behavioral intention, e-wallet, TAM, payment method.
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Lintangsari, Nastiti Ninda, Nisaulfathona Hidayati, Yeni Purnamasari, Hilda Carolina, and Wiangga Febranto Ramadhan. "ANALISIS PENGARUH INSTRUMEN PEMBAYARAN NON-TUNAI TERHADAP STABILITAS SISTEM KEUANGAN DI INDONESIA." JURNAL DINAMIKA EKONOMI PEMBANGUNAN 1, no. 1 (April 30, 2018): 47. http://dx.doi.org/10.14710/jdep.1.1.47-62.
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The payment system is an important component in the economy especially to ensure the implementation of payment transactions made by the public and the business world. In addition, the payment system also plays an important role in supporting financial system stability and implementation of monetary policy. Along with rapid technological developments, patterns and payment systems in economic transactions are constantly changing. Technological advances in the payment instruments shift the role of cash as a means of payment in the form of more efficient and economical non-cash payments. Non-cash payment instruments used in this study are card-based payment instruments (APMK) and electronic money (e-money). The aim of this study is to examine the effect of non-cash payment instruments development on money supply (M1), velocity of money, inflation, interest rate, and financial system stability. A set of secondary data are assessed through official website of Bank Indonesia from year 2009-2017. Multiple regression analysis are employed to elaborate the results. The result showed that e-money and credit card transactions have a significant positive effect on M1, e-money transactions have a significant negative effect on interest rates, and credit card transactions have a significant positive effect on interest rates.
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Syahril, Wahyuni Nur, and Brady Rikumahu. "PENGGUNAAN TECHNOLOGY ACCEPTANCE MODEL (TAM) DALAM ANALISIS MINAT PERILAKU PENGGUNAAN E-MONEY PADA MAHASISWA UNIVERSITAS TELKOM." Jurnal Mitra Manajemen 3, no. 2 (March 4, 2019): 201–14. http://dx.doi.org/10.52160/ejmm.v3i2.201.
Full textAbstract:
Meningkatnya mobilitas masyarakat mengakibatkan munculnya keinginan untuk melakukan kegiatan transaksi menjadi lebih mudah, efektif dan efisien namun tetap aman. Salah satu hasil dari perkembangan FinTech yang bisa dirasakan saat ini oleh masyarakat yaitu adanya perubahan bentuk uang, baik uang kertas maupun uang logam yang mulai digantikan oleh electronic money atau e-money. Tujuan dari penelitian ini adalah untuk menganalisis faktor-faktor yang mempengaruhi minat untuk menggunakan e-money di kalangan mahasiswa Universitas Telkom. Dalam penelitian ini teori penerimaan yang digunakan yaitu modifikasi dan pengembangan dari teori Technology Acceptance Model yang berfokus pada tiga faktor yaitu faktor persepsi manfaat, persepsi kemudahan penggunaan, serta persepsi risiko. Metode dalam penelitian ini adalah kuantitatif dengan teknik analisis data menggunakan teknik analisis deksriptif dan menggunakan analisis regresi linier berganda. Penelitian ini menggunakan 380 responden dengan hasil persepsi manfaat, persepsi kemudahan penggunaan, dan persepsi risiko baik secara parsial maupun simultan berpengaruh positif dan signifikan terhadap minat penggunaan e-money.