Implementation of Mobile Payment in Indonesia

doi:10.35940/ijrte.b1172.0782s419

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“…Teknologi seluler sekarang ini telah mengubah industri perbankan dan industri pembayaran (Deepak & Himanshu, 2020) karena di era digital sekarang ini pembayaran dilakukan melalui aplikasi pemindahan uang, didukung dengan infrastruktur jaringan, peraturan dan prosedur, dimana pembayaran dilakukan dalam bentuk uang elektronik (e-money), dompet elektronik (e-wallet), ataupun QR Code, jenis pembayaran yang dapat dilakukan dengan digital ini, dapat berupa online, atupun offline (Talwar et al, 2020). Kehadiran transaksi pembayaran digital semakin digemari karena didukung oleh kenyamanan, ketersediaan layanan, diskon, dan poin reward (Iradianty & Aditya, 2020) terlebih dipengaruhi oleh electronic word-of-mouth, kepercayaan, persepsi risiko (Oktaviani et al, 2019) kegunaan, pengalaman, manfaat (Prakosa & Wintaka, 2020) dan kemudahan penggunaan (Aritonang & Arisman, 2017;Oktaviani et al, 2019;Prakosa & Wintaka, 2020).…”

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Digital Payment: Perspektif Gender dalam Pemilihan Jasa Pembayaran Digital

Iradianty¹,

Aditya²

2021

JBMI

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In today's digital era buyers and sellers are using digital payment applications with non-cash payment transactions, in this transaction, there are other parties involved, namely, digital payment providers, where the digital payment provider from the buyer will continue the transaction to the financial network used by the seller. quickly, safely and cheaply, and in real-time, so that immediately the buyer and seller know whether the transaction was successful or not because they are using their smartphone devices. Gender differences, between men and women, can lead to differences in terms of spending with transactions through digital payments, therefore this study will look at whether there are differences between men and women in terms of using digital payments. The research approach used is quantitative research with the help of a questionnaire. A total of 104 users were involved in this study to be asked for information about experiences in using various payments provided by four popular digital payment providers in Indonesia, namely Gopay, Ovo, LinkAja, and Dana. For data analysis, this study uses a different test analysis for each sample, and the results show that there is no difference in the use of digital payments seen from a gender perspective.

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