THE USE OF E-MONEY IN STATE OWNED BANKS IN MANADO

Authors

  • Novi Dwi Lestari Universitas Sam Ratulangi
  • Linda . Lambey Universitas Sam Ratulangi
  • Johan . Tumiwa Universitas Sam Ratulangi

DOI:

https://doi.org/10.35794/emba.v6i4.21014

Abstract

Abstract: The advanced payment system has shifted the role of cash as a means of payment to the form of non-cash payment to be more efficient and economical. In Indonesia there are 10 banking sectors that have obtained permission from Bank Indonesia and in Manado E-money product that comes from State-owned banks are the most popular in the society, which are: BRIZZI from BRI, Tapcash from BNI, E-cash and E-money from Mandiri bank. The purpose of this research is to analyze the actual usage and the preferences of electronic money users by State-owned banks in Manado. This study uses descriptive qualitative research to describe the customer’s perception and their preferences by using E-money in State-owned banks in Manado from 22 informants by used semi in- depth interviews. The result of the research shows that E-money users from State-owned banks in Manado have received and used electronic money as a means of payment. However, the volume of transactions in using E-money is insufficient due to the lack of supported payment facilities. The e-money users have the same preference in using e-money because it is easy to use and many promotions are given. The E-money issuer prefer to develop the infrastructure to support E-money payment.

 

Keywords: e-money and state-owned bank

 

Author Biographies

Novi Dwi Lestari, Universitas Sam Ratulangi

Fakultas Ekonomi dan Bisnis

Linda . Lambey, Universitas Sam Ratulangi

Fakultas Ekonomi dan Bisnis

Johan . Tumiwa, Universitas Sam Ratulangi

Fakultas Ekonomi dan Bisnis

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Published

2018-10-10