Digital Payment Application as a Cashless Utilization and its Benefit for the Community in Denpasar City

I M A Widhyastana, R Rachmawati

Abstract


The rapid development of technology, especially in the payment sector in Financial Technology (FinTech), has made transactions easier. Bank Indonesia and the government now support transactions with non-cash payments through the National Non-Cash Movement (Gerakan Nasional Non-Tunai/GNNT). GoPay as a digital e-Wallet payment has contributed to increasing the number of GoPay users in Indonesia. On the other hand, despite having obtained the highest Indonesia Smart City Index in the big city category, public internet access related to financial facilities in Denpasar, Bali Island, Indonesia, remains low. To fully develop itself as a Smart City, Denpasar needs to be supported by an effective and efficient payment system and financial transactions. This study aims to identify the use of GoPay by the people of Denpasar City and their socio-economic characteristics. The research methodology is a survey of 400 respondents in all sub-districts. The samples were determined using the Slovin formula with a confidence level of 90% in each sub-district. The criteria for respondents in this study were millennials aged from 20 to 40-year-olds born around the year 1980-2000. The results showed that GoPay was more widely used among students. Meanwhile, the use of GoPay in Denpasar has not shown a large number of users, as there were only 205 respondents who used GoPay out of the 400 respondents. Nevertheless, this condition shows that the use of GoPay has become an alternative payment.

Keywords


Digital payment; cashless; Gopay; application; smart city.

Full Text:

PDF

References


I. M. S. Graha, “Proses Kota Denpasar Menuju Smart City,†Jurnal Litbang Sukowati In Press., Vol. 4, No. 2, Hal 1-11, Mei. 2021.

A. Kurniawan. (2019) Ekbis homepage on Sindonews. [Online]. Available: https://ekbis.sindonews.com/read/1369495/34/ kota-cerdas-denpasar-raih-penghargaan-tertinggi-ikci-2018

I. Widiyastuti, “Tata Kelola Institusi, Teknologi, dan Manusia: Bagaimana Pemerintah Daerah Menangani Komponen Smart City,†Jurnal IPTEK-KOM., Vol. 21 No. 2, pp. 93-108, Desember. 2019

F. C. Anaeto, C. C. Asiabaka, A. O. Ani, F. N. Nnadi, F. O. Ugwoke, I. P. Asiabaka, C. A. Anaeto and N. Ihekeronye, “The roles of science and technology in national development,†Direct Research Journal of Social Science and Educational Studies (DRJSSES)., Vol.3 (3), pp. 38-43, December. 2016

L. A. Abdillah, “FinTech E-Commerce Payment Application User Experience Analysis during COVID-19 Pandemic,†Scientific Journal of Informatics, Vol. 7, No. 2, November. 2020

S. Shirai, “Money and Central Bank Digital Currency,†ADBI Working Paper Series 922, February. 2019

S. Sahayaselvi, “An Overview On Digital Payments,†International Journal of Research., Vol 04. pp. 2101-2111, October. 2017.

L. Klapper, “How digital payments can benefit entrepreneurs: Digital payments can increase firms’ profits by allowing more efficient and cost-effective financial transaction,†IZA World of Labor, November. 2017

H. A. R. Sukawan, B. O. Ali, I. M. A. Widhyastana, and R. Rachmawati, “Online Real Time (ORT) Waste Management Through “Si Detektif Sampah†Application in Implementing Smart City in Palangka Raya City,†in Proc. of 15th AUC, 2019. Advances in 21st Century Human Settlements. p 345-354

L. D. Kurnia, “Analisis Efisiensi Penerapan Transaksi Non Tunai dalam Pengelolaan Keuangan Daerah pada Sekretariat Daerah Kota Metro Provinsi Lampung,†Derivatif: Jurnal Manajemen., Vol. 14 No. 1, April. 2020.

R. Rachmawati, “Toward better City Management through Smart City implementation,†Human Geographies – Journal of Studies and Research in Human Geography. Vol.13, Issue 2. pp. 209-211, Octo. 2019.

M. R. Milosevic, D. M. Milosevic. D. M. Stevic and A. D. Stanojevic, “Smart City: Modeling Key Indicators in Serbia Using IT2FS,†Journal of Sustainability., 11, 3536. 2019. doi:10.3390/su11133536

Bank Indonesia. (2014) Ruang Media homepage on Bank Indonesia. [Online]. Available: https://www.bi.go.id/id/ruang-media/siaran-pers/pages/sp_165814.aspx

A. S. Kustono, A. Y. A. Nanggala and I. Mas’ud, “Determinants of the Use of E-Wallet for Transaction Payment among College Students,†Journal of Economics, Business, and Accountancy Ventura., Vol. 23, No. 1, pp. 85 – 95, July. 2020

A. D. Saputri and A. R. Pratama, “Identifying Users Characteristics of The Top Three E-Wallet Services in Indonesia,†IOP Conference Series: Materials Science and Engineering. 2021. doi:10.1088/1757-899X/1077/1/012028

L. D. Prasojo and Riyanto, Teknologi Informasi Pendidikan. Yogyakarta, Indonesia: Gave Media, 2011

M. I. Mgunda , “The Impacts Information Technology On Business,†Journal of International Conference Proceedings. Vol. 2. No. 3. 2019. DOI: https://doi.org/10.32535/jicp.v2i3.656

S. Joyosumarto, BANKIR: Kepemimpinan Lembaga Perbankan Abad Ke-2. Jakarta, Indonesia : Gramedia, 2018

M. D. Hadad. (2017) The docplayer website. [Online]. Available: https://docplayer.info/55140494-Financial-technology-fintech-di-indonesia-muliaman-d-hadad-ph-d-ketua-dewan-komisioner-ojk.html

A. Hidayat, “Upaya Meningkatkan Penggunaan Alat Pembayaran Non Tunai Melalui Pengembangan E-Moneyâ€, Jakarta, Indonesia : Bank Indonesia, 2006

A. Nurherwening, A. W. Dari, D. Urumsah and H. T. Wibowo, “The success of go-pay financial technology service adoption,†Journal of Contemporary Accounting, 3(2), pp. 98-111. 2021. doi:10.20885/jca.vol3.iss2.art5

S. W. Mursalim, “Millennial and Social Entrepreneurship,†Advances in Social Science, Education and Humanities Research. Vol. 343. 2019

Indonesian Ministry of Women's Empowerment and Child Protection, ‘Statistik Gender Tematik: Profil Generasi Milenial Indonesia. Jakarta, Indonesia: Indonesian Ministry of Women's Empowerment and Child Protection, 2018

S. W. Sukmasari “Analisis Perilaku Pria dalam Berbelanja di Shopping Mall Yogyakarta,†minithesis. Univeritas Sanata Dharma, Yogyakarta, Indonesia, Jan. 2010.

N. Ainiyah, “Remaja Millenial dan Media Sosial: Media Sosial sebagai Media Informasi Pendidikan bagi Remaja Millenial,†JPII., Vol. 2, pp. 221-236, Apr. 2018.

M. Comviva. (2016) The Evolution of Digital and Mobile Wallets. [Online]. Available: https://www.paymentscardsandmobile.com/wp-content/uploads/2016/10/The-Evolution-of-Digital-and-Mobile-Wallets.pdf.

L. S. Alaimo, M. Fiore, and A. Galati, “How the Covid-19 Pandemic Is Changing Online Food Shopping Human Behaviour in Italy,†Journal of Sustainability., 12, 9594. 2020. doi:10.3390/su12229594

CNBC Indonesia. (2020). Ada Imbauan Cashless Saat Corona, Transaksi GoPay Naik 30%. [Online]. Available: https://www.cnbcindonesia.com/tech/20200403114105-39-149590/ada-imbauan-cashless-saat-corona-transaksi-GoPay-naik-30

Gojek.com. (2020). 5 Layanan Gojek Andalan Masyarakat Selama Masa Pandemi COVID-19. [Online]. Available: https://www.gojek.com/blog/gojek/new-normal-gojek/ Diakses pada 7 Juli 2020.

R. Rachmawati, A. D. Sari, H. A. R. Sukawan, I. M. A. Widhyastana, R. A. Ghiffari, “The Use of ICT-Based Applications to Support the Implementation of Smart Cities during the COVID-19 Pandemic in Indonesia,†Infrastructures. 6, 119. https://doi.org/ 10.3390/ infrastructures6090119. 2021.




DOI: http://dx.doi.org/10.18517/ijaseit.12.4.12668

Refbacks

  • There are currently no refbacks.


Published by INSIGHT - Indonesian Society for Knowledge and Human Development