Analysis of E-Wallet Growth As a Cashless Transaction In Indonesia: Literature Review

Authors

  • Rispa Eliza STIE Tuah Negeri, Dumai, Indonesia
  • Zulkifli Z STIE Tuah Negeri, Dumai, Indonesia
  • Elfiswandi Elfiswandi Universitas Putra Indonesia, Padang, Indonesia
  • Lailani Fitria STIE Tuah Negeri, Dumai, Indonesia
  • Lusiana Lusiana Universitas Putra Indonesia, Padang, Indonesia
  • Silvia Sari Universitas Putra Indonesia, Padang, Indonesia

Keywords:

Growth, Driving Factors, Projections, E-Wallet

Abstract

This research aims to analyze the growth of e-wallets as cashless transactions in Indonesia. This research applies a qualitative descriptive method, namely describing the theory obtained as well as library research, which means looking for article sources that are related and relevant to the title raised in analyzing data that will be carefully related to e-wallets which have been widely implemented in Indonesia. As well as using Mendeley to cite previous research so that article writing is neat and suitable for publication. The research results show that from the three factors above, namely: e-wallet analysis, driving factors, and estimates of e-wallet usage in the next few years, the growth of digital transactions cannot be avoided, what we need to do is adapt to it so that we can carry out our daily activities. day smoothly, which in this case is about fintech above. Therefore, we as a society should at least increase literacy in the financial sector so that we are not easily directed in bad directions when carrying out transactions.

References

Altara, Kezia Putri, and Eko Triyanto. 2023. “Analisis Faktor-Faktor Yang Mempengaruhi Minat Penggunaan E-WalleT (Studi Kasus Pada Mahasiswa Akuntansi STIE Surakarta).” Jurnal Cakrawala Ilmiah 2(8): 3205–20. https://bnr.bg/post/101787017/bsp-za-balgaria-e-pod-nomer-1-v-buletinata-za-vota-gerb-s-nomer-2-pp-db-s-nomer-12.

Analisa Indonesia. 2019. “Sejarah Panjang Ovo?: Startup Unicorn Kelima Indonesia.” Analisa Indonesia: Online. https://analisa.id/sejarah-panjang-ovo-startup-unicorn-kelima-indonesia/09/10/2019/.

Dharmawati, Tuti et al. 2023. Sistem Informasi Akuntansi. Juli 2023. Penerbit Adab. https://books.google.co.id/books?id=mGvLEAAAQBAJ&pg=PR2&dq=sistem+informasi+akuntansi+penerbit+adab&hl=en&newbks=1&newbks_redir=0&source=gb_mobile_search&sa=X&ved=2ahUKEwjQuoyYl7OAAxU49DgGHdtxD3QQ6AF6BAgLEAM#v=onepage&q=sistem informasi akuntansi penerbit.

Ehrenberg, Ronald G., Robert S. Smith, and Kevin F. Hallock. 2021. Modern Labor Economics: Theory and Public Policy Modern Labor Economics: Theory and Public Policy. 11th ed. Prentice Hall.

Eliza, Rispa, and Lailani Fitria. 2021. “Kepuasan Belajar Daring Dan Pengaruhnya Terhadap Kepribadian Mahasiswa Di Kota Dumai.” Media Bina Ilmiah 15(6): 4681–86.

Fadhilah, Jihan, Cut Aja Anis Layyinna, Rijal Khatami, and Fitroh Fitroh. 2021. “Pemanfaatan Teknologi Digital Wallet Sebagai Solusi Alternatif Pembayaran Modern: Literature Review.” Journal of Computer Science and Engineering (JCSE) 2(2): 89–97.

Ferdiansyah;, Muhammad Rafli, and Dhani Ichsanuddin Nur. 2023. “Faktor-Faktor Yang Mempengaruhi Keputusan Penggunaan E-Wallet DANA Pada Mahasiswa Fakultas Ekonomi Dan Bisnis UPN ‘Veteran’ Jawa Timur.” Management Studies and Entrepreneurship Journal 4(6): 7970–78.

Fitria, Lailani, Apriliani, and Nurul Azmi. 2022. “Analisis Prosedur Penjualan Rumah Secara Kredit Pada PT Ana Indo Perkasa.” Jurnal Ilmiah MEA (Manajemen, Ekonomi. dan Akuntansi) 6(2): 1011–20.

Harseno, Diah Fitri. 2021. “Analisis Faktor-Faktor Yang Memengaruhi Penggunaan E-Wallet Di Indonesia.” ABIS: Accounting and Business Information Systems Journal 9(4).

Himawati, Ditiya, and Mu’minatus Fitriati Firdaus. 2021. “Pengaruh Word of Mouth Dan Manfaat Terhadap Keputusan Menggunakan E-Wallet Dana Melalui Kepercayaan Pelanggan Di Jabodetabek.” INOBIS: Jurnal Inovasi Bisnis dan Manajemen Indonesia 4(3): 424–36.

Inc., Boku. 2021. Mobile Wallets Report 2021. https://databoks.katadata.co.id/datapublish/2021/07/14/kebutuhan-pembayaran-digital-jadi-faktor-utama-masyarakat-ri-pakai-e-wallet.

Indogen. 2023. “40 Perusahaan Startup Di Indonesia, Ini Daftar Lengkapnya!”

Januaji, Dhamar. 2023. “Raih Untung Berlipat Lewat Jasa Top Up E-Wallet - OttoPay.”

Kusnawan, Agus, Silaswara Diana, Andy Andy, and Sefung Tjong. 2019. “Pengaruh Diskon Pada Aplikasi E-Wallet Terhadap Pertumbuhan Minat Pembelian Impulsif Konsumen Milenial Di Wilayah Tangerang.” Sains Manajemen 5(2): 137–60.

Meilanti, Meggi, and Lailani Fitria. 2021. “Strategi Pemasaran Produk Tabungan, Giro Dan Deposito PT. Bank Sinarmas Tbk Cabang Dumai.” Jurnal Ilmiah Ekonomi dan Pajak (EJAK) 1(1): 30–34. www.banksinarmas.com,.

Muhamad, Nabilah. 2023. “E-Wallet, Metode Pembayaran Digital Yang Paling Banyak Digunakan Warga RI Saat Belanja Online.” Databoks Katadata. https://databoks.katadata.co.id/datapublish/2023/06/20/e-wallet-metode-pembayaran-digital-yang-paling-banyak-digunakan-warga-ri-saat-belanja-online.

Nawawi, Hizbul Hadi. 2020. “Penggunaan E-Wallet Di Kalangan Mahasiswa.” Emik 3(2): 189–205.

RedSeer. 2022. Redseer.com Consumer Internet in Indonesia. https://redseer.com/reports/consumer-internet-in-indonesia/.

Safarudin, Arif, Lusianus Kusdibyo, and Widi Senalasari. 2020. “Faktor-Faktor Pembentuk Loyalitas Generasi Z Dalam Menggunakan Financial Technology E-Wallet.” Prosiding The 11th Industrial Research Workshop and National Seminar: 26–27.

Saputra, M Bahtiar, Anak Agung, Elik Astari, and Ni Luh Indiani. 2022. “Analisis Penggunaan Cashless (E-Wallet) Sebagai Sarana Untuk Memutus Perkembangan Virus (Tinjauan Aspek Pemasaran Kelayakan Bisnis).” Nusantara Hasana Journal 2(3): 254–60. www.amari.itb.ac.id.

Setiawan, Desy Amaliati et al. 2023. “Penyuluhan Pemahaman Digital Wallet, Digital Perbankan dan Pajak Penghasilan Bagi Pengusaha Kecil Untuk Meningkatkan Omzet Penjualan.” Jpm 2(9): 1955–62. http://www.nber.org/papers/w16019.

Yanti, Lili Rahma. 2022. “Analisis Faktor-Faktor Penggunaan Dompet Digital (E-Wallet) Sebagai Alat Transaksi Di Tinjau Dari Perspektif Ekonomi Islam.” 3(3): 157–67.

Yesidora, Amelia. 2022. “Profil Dana, Dompet Digital Bagian Grup Emtek Dan Sinarmas.” KataData.co.id: 1–8. https://katadata.co.id/intannirmala/ekonopedia/623835fd7de77/profil-dana-dompet-digital-bagian-grup-emtek-dan-sinarmas.

Z, Zulkifli, and Rispa Eliza. 2018. “Determinan Net Interest Margin Perbankan Nasional: Aplikasi Model Regresi Data Panel Fixed Effect.” Mix: Jurnal Ilmiah Manajemen 8(3): 640.

Published

2024-01-17

How to Cite

Eliza, R. ., Zulkifli Z, Elfiswandi, E., Fitria, L. ., Lusiana, L., & Sari, S. . (2024). Analysis of E-Wallet Growth As a Cashless Transaction In Indonesia: Literature Review. Dinasti International Journal of Management Science, 5(3), 500–505. Retrieved from https://dinastipub.org/DIJMS/article/view/2207