Perkembangan Sistem Pembayaran Digital Pada Era Revolusi Industri 4.0 Di Indonesia

Abstract

In line with the rapid development of technology, patterns and payment systems in economic transactions continue to change. Technological advances in the payment system are shifting the role of cash (currency) as a means of payment in the form of digital payments that are more efficient and economical. In its development, several countries have discovered and used electronic payment products known as Electronic Money (e-money). The presence of non-cash payment instruments mentioned above, is not only caused by innovations in the banking sector but also driven by the public's need for practical payment instruments that can provide convenience in conducting transactions. This paper aims to analyze the impact of the development of digital payment systems on the existence of cash in the era of the digital economy. In addition, this also minimizes the risks that can be caused by the use of digital payment systems and prevents inflation due to the large amount of cash in circulation. The method used in this paper is qualitative and is supported by a phenomenological approach. The results of this study indicate that technological advancements in the era of the digital economy (Industrial Revolution 4.0) are indeed unavoidable, especially in the rapid development of digital payment systems. Digital payment systems have advantages and disadvantages. But in general, the advantages of digital payment systems outweigh the disadvantages. The presence of this digital payment system does not mean eliminating the existence of cash. However, the existence of a digital payment system can also minimize the occurrence of inflation due to the large amount of money circulating in the community.

The Maslahah of Muslim Consumer Behavior in Using E-Wallet in Makassar City

“…Therefore, time is very important and valuable, so that Islam commands its people to use time well and always bring benefits from the time that has been used. According to (Tarantang et al, 2019), the presence of non-cash payment instruments is caused by innovation in the banking sector and driven by the community's need for practical payment instruments that can provide convenience in conducting transactions. The convenience provided by the use of the e-Wallet is in line with QS al-Baqarah/2:185 that Allah SWT always wants convenience so that every religious rule revealed aims to create convenience, not difficulty.…”

Digital Payment: Perspektif Gender dalam Pemilihan Jasa Pembayaran Digital

“…Digital payment atau pembayaran digital adalah sebuah sistem yang di dalamnya terdapat sarana instruksi pembayaran, seperti kontrak, peraturan, teknisi dan fasilitas lainnya untuk membantu kelancaran transaki pembeli dan penjual (Tarantang et al, 2019), transaksi tersebut merupakan perpindahan uang yang disimpan, diproses, dan diterima dalam bentuk informasi digital (Lubis, 2019) dan sistem yang dibangun, menggunakan telepon pintar dengan basis internet, di mana uang yang berpindah tersebut tidak melibatkan bentuk fisik dari uang atau kita kenal dengan istilah non tunai (Saragih, 2019).…”

Indonesian Student Perception in Digital Payment

“…Penyedia aplikasi digital payment di Indonesia bukan hanya dari sector perbankan, tetapi berasal dari berbagai sector seperti perusahaan telekomunikasi, perusahaan treansportasi, dan perusahaan pemula digital. Bukan hanya jumlah aplikasinya saja yang meningkat tetapi jumlah transaksi uang elektronik di Indonesia terus menunjukkan peningkatan dari tahun ke tahun, pada tahun 2010 jumlah transaksi uang elektronik baru mencapai 7,9 juta unit, dengan total transaksi Rp 693,47 miliar, dan sampai dengan tahun 2019 jumlah transaksi uang elektronik mencapai 31 kali lipat menjadi 25,1 juta unit, dengan nilai transaksi mencapai Rp 95,75 triliyun (Kusnandar, 2019 (Tarantang, Awwaliyah, Astuti, & Munawaroh, 2019).…”