Analysis of the Use of Electronic Money in Efforts to Support the Less Cash Society

Wulandari, Dwi; Soseco, Thomas; Narmaditya, Bagus Shandy

doi:10.5296/ifb.v3i1.8802

Cited by 35 publications

(28 citation statements)

References 10 publications

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“…Studies related to a cashless society and/or e-money in Indonesia has been conducted by some researchers, for example, Wulandari et al (2016) and Trinugroho et al (2017), but these studies have rarely examined why a person is or is not using e-money. Bearing in mind these phenomena, it is necessary to know what factors influence the intention of an individual to use electronic money.…”

mentioning

confidence: 99%

The Intention to Use E-Money using Theory of Planned Behavior and Locus of Control

Ayudya

Wibowo

2018

Jurnal Keuangan Dan Perbankan

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Along with technological developments in the payment system, the role of cash as a means of payment began to be replaced by a more efficient and economical form of non-cash payment such as electronic money. However, the use of electronic money in Indonesia has not increased, and the percentage of users of it is far behind compared with other countries. This study aims to apply Theory of Planned Behavior (TPB) with Locus of Control (LOC) as a moderating variable in the context of the use of electronic money. The community of DIY consisted of 1 municipality, and 4 districts were selected as the sample of this study. The results of this study indicate in general that the variable attitude to behavior as well as control of perceptive behavior have a positive effect on the intention of using electronic money while subjective norms are not proven to significantly affect the intention. However, especially for the respondents who live in the village, the subjective norm variable actually affects the intention of using the electronic money, while the variable control of perceptive behavior does not affect the intention. Locus of Control (LOC) is not proven to moderate the existing variables in Theory of Planned Behavior with the intention of using electronic money.

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mentioning

confidence: 99%

The Intention to Use E-Money using Theory of Planned Behavior and Locus of Control

Ayudya

Wibowo

2018

Jurnal Keuangan Dan Perbankan

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“…The electronic balance from the deposit / exchange of waste can be used as a non-cash payment instrument. E-money offers advantages that give the ease, speed, and efficiency [11]. Balances can be withdrawn into a personal account or transact easily and safely without cash.…”

Section: ) Business Model Canvasmentioning

confidence: 99%

“…The implementation of web services is to manage and persistent storage of information objects, one of the assets is to avoid duplicate function and tools. This may happen by embedded functions or by calling the services through an API [11].…”

Section: ) Proposed Soa Architecturementioning

confidence: 99%

Digital Business Planning for Waste Recycling using Service Oriented Architecture

Mahanani,

Alatas,

Mauritsius

2020

IJRTE

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Waste is one of the biggest problems in Indonesia. The number increases with increasing population and lead to the development of waste bank that are manage irregularly by the community. By implementing digital business using SOA, the entities in the waste management ecosystem will be integrated. An end to end processes will be centralized into one application and automation making this business can be controlled efficiently. The use of digital business promises to encourage Indonesian citizens to manage waste by selling garbage to waste banks and revolutionizing the way in organizations accelerate processes and competencies and take leverage of market opportunities. The proposed system is a functioning mobile and web-based application as an enabler of environmental ecosystems, especially waste management problem. Waste disposal from household, market, office, roadside, commercial areas and various location will be deposited to the nearest waste bank. Regarding to this issue, we created digital business planning based on Service Oriented Architecture (SOA) for waste management.

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“…Nov -17 689 030 755 101 26 983 117 24 511 453 Dec-17 634 133 691 786 28 590 026 26 535 800 Jan-18 722 614 799 011 28 251 742 25 358 875 Feb-18 627 616 687 698 24 484 745 20 976 292 Mar-18 688 089 755 287 27 289 443 24 795 500 Apr-18 704 942 762 650 27 633 702 24 911 444 May-18 685 988 762 166 28 614 387 26 274 813 Jun-18 525 552 622 266 27 141 547 24 780 132 Jul-18 674 980 756 224 27 639 954 25 981 547 Aug-18 691 425 766 165 26 890 389 25 405 Many studies on credit cards have been conducted, such as that of Prabheesh and Rahman (2019), who analysed the macroeconomic aspect. In addition, Junadi and Sfenrianto (2015) and Wulandari et al (2016) discussed behaviour in the use of e-payment systems in Indonesia, including credit cards. A little bit late, Sari and Rofaida (2011) focused on the behaviour of university students towards the use of credit cards and default debt risk behaviour.…”

Section: Nominal (Million Rupiah)mentioning

confidence: 99%

Sharia Compliance-Credit Card Exposure and Utilization in the Growing Digital Economy

Arsyianti

Adelia

2019

JIMF

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Many cashless payment tools have been introduced to Indonesia market in the form of cards to electronic money. Sharia compliance-credit card is one of traditional electronic payment tools that are provided by only two Islamic finance institutions among many in Indonesia. The increase of Sharia compliance-credit card transactions from time to time may lead banks to be exposed to non-performing risk. Customers’ behaviors are varying in utilizing Sharia compliance-credit card, and their behavior may cause unpredicted results on card’s performance. Therefore, the purposes of this study are: 1) To identify the behavior of Sharia compliance-credit card’s users and 2) To analyze the factors influencing the behavior of Sharia compliance-credit card’s users. Primary data is gathered through distributing questionnaires with a total sample of 170 respondents. The data is analyzed by employing Structural Equation Modeling. This research shows that gender, age, and education influence perceived behavior control; and, expenditure influences subjective norms. Customers’ attitudes, subjective norms, and perceived behavior control are proven to influence customer intentions, where customers’ intentions, perceived behavior control, and income influence customers’ behavior towards using Sharia compliance-credit card. For further sustainable inclusive growth, the issuers should pay attention on education for specific audiences.

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Analysis of the Use of Electronic Money in Efforts to Support the Less Cash Society

Cited by 35 publications

References 10 publications

The Intention to Use E-Money using Theory of Planned Behavior and Locus of Control

The Intention to Use E-Money using Theory of Planned Behavior and Locus of Control

Digital Business Planning for Waste Recycling using Service Oriented Architecture

Sharia Compliance-Credit Card Exposure and Utilization in the Growing Digital Economy

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