scholarly journals Analysis of Adi Soemarmo Solo Airport Parking Payment System

2021 ◽  
Vol 2 (1) ◽  
pp. 1-3
Author(s):  
Dwiyana Dwiyana ◽  
Muqorobin Muqorobin
Keyword(s):  
Payment System ◽  
Payment Systems ◽  
Electronic Money ◽  
Application System ◽  
Money Balance ◽  
Final Project ◽  
Cash Payment

The writing of the Semester Final Project with the title Analysis of the Parking Payment System for Adi Soemarmo Airport Solo was compiled based on the results of observations at the exit gate of Adi Soemarmo Airport Solo. Transactions on parking payments often cause problems due to several factors, especially the time or process is quite long because sometimes the money given is too large then the cashier takes too long to give change, besides that sometimes passengers do not prepare the money they want to pay in advance and often passengers pay in a situation of insufficient money and this causes queues or jams at the gate exit. The research objective given by the author later is to provide the best solution for airport parking payment systems. In addition to making it easier for passengers, this will greatly facilitate cashiers when carrying out work operations. This payment application system is called u-nik or electronic money. Where u-nik functions to transfer the money balance data contained in u-nik to a computer using a system called AINO. So that payments occur without spending additional cash. With the existence of non-cash payment transactions using the AINO system, it is hoped that it can facilitate and provide speed in making parking payment transactions without the need to carry cash.

scholarly journals Implementasi Sistem Pembayaran Quick Response Indonesia Standard Bagi Perkembangan UMKM di Medan

2020 ◽  
Vol 17 (2) ◽  
pp. 287
Author(s):  
Josef Evan Sihaloho ◽  
Atifah Ramadani ◽  
Suci Rahmayanti
Keyword(s):  
Research Method ◽  
Payment System ◽  
Qr Code ◽  
Quick Response ◽  
Code System ◽  
Payment Systems ◽  
Electronic Money ◽  
Cash Payment ◽  
System Issue ◽  
Digital Wallet

ABSTRACTThe use of server-based electronic money is one of the most popular non-cash payment systems in use today. The form of server-based electronic money is e-wallet / digital wallet. E-wallet can be used to transact by customers, if the merchant provides an application Same e-wallet to customers. This made Bank Indonesia, as the regulator of the payment system, issue a new payment channel namely; QRIS (QR Code Indonesia Standard). The use of QRIS is used to standardize all e-wallets applications that use the QR Code system to conduct payment transactions. This study examines how the application of QRIS to UMKM in Medan, and describes the roles, constraints, and income of UMKM s in the presence of QRIS. The research method used is interviews and literature studies with UMKM traders who have used QRIS as a payment tool in their characters. This research indicates that QRIS has benefits for UMKM traders.

scholarly journals Analysis of the Use of Electronic Money in Efforts to Support the Less Cash Society

2016 ◽  
Vol 3 (1) ◽  
pp. 1 ◽  
Author(s):  
Dwi . Wulandari ◽  
Thomas Soseco ◽  
Bagus Shandy Narmaditya
Keyword(s):  
Economic Growth ◽  
Credit Cards ◽  
Qualitative Approach ◽  
State University ◽  
Payment Systems ◽  
Electronic Money ◽  
Cash Payment ◽  
Student Preference ◽  
Technological Developments ◽  
Debit Cards

Technological developments have had an impact on all aspects of life including changes to existing payment systems. Electronic money (E-Money) is a non cash payment instrument in addition to credit cards and debit cards. E-money offers advantages over debit cards and credit cards that give the ease, speed, and efficiency. The issue discussed in this research covers the intensity of the use of e-money, the volume of transactions, preferences, and perceptions about the use of e-money at the Faculty of Economics, State University of Malang. This study used a qualitative approach. The findings showed that only a small portion of the respondents (17.07%) has already been used BRIZZI card as a means of payment. Majority of students simply do as much as 3-5 times transaction per month. The volume of transactions in using E-money is still low. Student preference to use BRIZZI is relatively small. Most of the respondents supported less cash society because they believe it will promote economic growth and stability.

scholarly journals Prospects for the Existence of a Cashless Society and the Role of Cash in the Global Financial System

2019 ◽  
pp. 27-37
Author(s):  
S. Zadvornykh
Keyword(s):  
Financial System ◽  
Modern Society ◽  
Electronic Systems ◽  
Payment Systems ◽  
Electronic Money ◽  
The People ◽  
Cash Payment ◽  
The Government ◽  
The Right ◽  
High Level

Modern society is determined not only with a high level of development, but also a lot of social and economic problems. In the last years more and more popular became the meaning, that a lot of these problems could be solved with the canceling of cash. Experts and usual people are thinking that a new society will be more fair and transparent with less of criminal, drugs, economic fraud, unmotivated preference for individual categories, where everybody is paying less of tax and where is a high level of wealth protection. But in the real situation seems not so optimistic. In Life privacy. Canceling of cash mean total control against all financial operations of each person, their interests and tastes by banks and government. Besides that, using most mobile payment systems need geolocation – as result everybody will be all the time trecked in all senses of this word. In psychological sphere using electronic money will increase money spendings because using cash is combined with the feeling of pain, when people are spending them and e-money are for most of people something not so important, especially for young people (like money in PC game). In social shpere the cashless society will make problems for disabled people, people with mental problems and also can influence dementia by older people. Criminal. even if we will live in the cashless society with the modern trends, the level of financial fraud will reduce maximal on 15%, and P. Schmidt considered, that all the criminals will find another way for their activity. Besides that e-money and society are stimulating the growth of cybercrime and it is always growing and the companies, who had lost against cybercrime had spent more money for investigation of that cases, then they have lost. Unemployment. First of all, the system of cash circulation is huge. A lot of people are creation, designing, proofing, printing, gathering, retailing cash and also working each day in banks, cashier’s offices, shops and so on. Also many companies are producing stuff combined with cash. From wallets to cash machines. All these brunches will not exist anymore and all the people will lose their jobs. Economy. One of the main reasons to cancel cash was that in the cashless society will be impossible to set a negative rate and with the same it will be less of economic crises. But german economists have studied and proofed that it is possible and in this situation it will be more difficult to combat the crisis and cost much more for the government and people because all existing financial instruments that the government can use to fix situation are created only for cash and are working with it. Technical. Electronic systems could be crushed. Besides of that in case of wore or other conflicts people can ruin Internet connection all over the country and inhabitants will lose everything and have no possibility even get home. In general, e-payments are part of our life and they are very comfortable nowadays. But the canceling of cash will make more problems for people and organizations. This means that this could not be the right choice in the nearest future. Keywords financial system; cash; payment systems; cybercrime; banks; sociology; taxes; offshore zones.

scholarly journals Customer satisfaction sebagai mediasi pengaruh perceived value terhadap customer loyalty dalam pengguna OVO

2021 ◽  
Vol 1 (4) ◽  
pp. 365-379
Author(s):  
Adelia Kusuma Wardani ◽  
Handri Dian Wahyudi
Keyword(s):  
Customer Satisfaction ◽  
Customer Loyalty ◽  
Perceived Value ◽  
Payment System ◽  
Validity And Reliability ◽  
Electronic Money ◽  
Purposive Sampling ◽  
Cash Payment ◽  
Feasibility Test ◽  
Linearity Test

The current payment system, the non-cash payment system, has many benefits and has become a new lifestyle for the community. With the variety of choices offered by electronic money services, companies need to make users loyal to the services provided. Some factors that influence customer loyalty are perceived value and customer satisfaction. The present study employed a quantitative approach with descriptive and explanatory research designs. Respondents involved in the study were 154 OVO’s users recruited using non-probability and purposive sampling techniques. They were selected using the Daniel and Terrel’s (1989) formula. The scale used in this study is a Likert scale. The instrument feasibility test employed validity and reliability tests. In addition, this study employed a classic assumption test in the form is normality and linearity test. Data analysis techniques were performed using descriptive statistical analysis and path analysis with IBM SPSS Statistics V23.0. Sistem pembayaran saat ini, yaitu sistem pembayaran nontunai, memiliki banyak manfaat dan menjadi gaya hidup baru bagi masyarakat. Dengan beragamnya pilihan yang ditawarkan oleh layanan uang elektronik, perusahaan perlu membuat pengguna loyal terhadap layanan yang diberikan. Beberapa faktor yang mempengaruhi loyalitas pelanggan adalah nilai yang dirasakan dan kepuasan pelanggan. Penelitian ini menggunakan pendekatan kuantitatif dengan desain penelitian deskriptif dan eksplanatori. Responden yang terlibat dalam penelitian ini adalah 154 pengguna OVO yang direkrut menggunakan teknik non-probability dan purposive sampling. Mereka dipilih menggunakan rumus Daniel dan Terrel (1989). Skala yang digunakan dalam penelitian ini adalah skala Likert. Uji kelayakan instrumen menggunakan uji validitas dan reliabilitas. Selain itu, penelitian ini menggunakan uji asumsi klasik berupa uji normalitas dan uji linieritas. Teknik analisis data dilakukan dengan menggunakan analisis statistik deskriptif dan analisis jalur dengan IBM SPSS Statistics V23.0.

scholarly journals Strategi Branding Jakone Mobile Melalui Sinergi BUMD Taman Jajan Jakone Mobile Thamrin 10

2020 ◽  
Vol 12 (2) ◽  
pp. 176
Author(s):  
Fauzia Fauzia ◽  
Firman Kurniawan Sujono
Keyword(s):  
Payment System ◽  
Capital City ◽  
Primary Data ◽  
Regional Government ◽  
Mobile Banking ◽  
Payment Systems ◽  
The People ◽  
Start Up ◽  
Cash Payment ◽  
Regional Bank

The development of technology made many of the banking industry and companies began to develop cash payment systems using barcodes. Bank DKI as the Regional Government Bank of the Capital City of Jakarta provides JakOne Mobile products as a mobile banking and mobile wallet application. The feature of this application is the payment system via barcode scan. The intense competition in DKI Jakarta makes Bank DKI must find ways to compare its products, one of which is the acquisition of a payment system in Thamrin 10. Thamrin 10 is a culinary district, Thamrin 10 which is opened in accordance with the designation made by the Synergy of DKI Jakarta BUMD. The researcher wants to know the Branding efforts undertaken by the DKI Bank through Thamrin 10 whether with the synergy of BUMD increases the level of Jakarta people's knowledge of JakOne Mobile and increases the use of the application. This study uses descriptive qualitative research methods with case studies of JakOne Mobile users. The data collection techniques using interviews, observation and data obtained from the news. The results of interviews and primary data obtained did indeed increase active users in December 2019 and with the presence of Thamrin 10 is an opportunity for Bank DKI to introduce products so that the people of Jakarta become more familiar with Bank DKI products. By involving DKI Bank in the cashless payment system in Thamrin 10, change the picture of the Regional Bank which is often considered to be canceled in terms of technology. Berkembangnya teknologi membuat banyak dari industri perbankan dan perusahaan start-up untuk mengembangkan sistem pembayaran cashless menggunakan barcode. Bank DKI sebagai Bank Pemerintah daerah milik Ibu Kota Jakarta memberikan produk JakOne Mobile sebagai aplikasi mobile banking dan mobile wallet. Fitur dari aplikasi tersebut merupakan sitem pebayaran melalui scan barcode.  Ketatnya persaingan khususnya di DKI Jakarta membuat Bank DKI harus mencari cara untuk memBranding produknya, salah satunya adalah mengakusisi sistem pembayaran di Thamrin 10. Thamrin 10 merupakan distrik kuliner, Thamrin 10 dibuka atas dasar perwujudan Sinergi BUMD DKI Jakarta. Peneliti ingin mengetahui usaha Branding yang dilakukan oleh Bank DKI melalui Thamrin 10 apakah dengan adanya sinergi BUMD membut peningkatan dalam segi produk knowledge masyarakat Jakarta terhadap JakOne Mobile dan peningkatan penggunaan aplikasi tersebut. Penelitian ini menggunakan metode penelitian kualitatif deskriptif dengan pendekatan studi kasus pengguna JakOne Mobile. Adapun teknik pengumpulan data menggunakan wawancara, observasi dan data-data yang didapat dari pemberitaan. Dari hasil wawancara dan dara primer yang didapat memang adanya peningkatan pengguna aktif pada bulan Desember 2019 serta dengan adanya Thamrin 10 merupakan kesempatan Bank DKI untuk memperkenalkan produk sehingga masyarakat Jakarta menjadi lebih paham atas produk Bank DKI. Dengan terlibatnya Bank DKI dalam sistem pembayaran cashless di Thamrin 10 maka merubah image dari Bank Daerah yang sering dianggap terlambat dalam hal teknologi.

scholarly journals Uang Elektronik Dalam Perspektif Islam

2019 ◽  
Vol 6 (1) ◽  
pp. 90-106
Author(s):  
M. Rizky Wady Abdulfattah ◽  
Rachmat Rizky Kurniawan
Keyword(s):  
Payment System ◽  
Learning Method ◽  
Electronic Money ◽  
Islamic Perspective ◽  
Legal Contract ◽  
Cash Payment ◽  
Descriptive Method ◽  
Theory System

Payment system into non-cash payment form is more efficient and economical. Electronic money arises as an answer to the community's need for a micro payment instrument that is expected to make the payment process faster, more efficient and safer at a relatively cheaper cost, but not all electronic money issued in accordance with the concept of sharia. This study is intended to find out electronic money in Islamic perspective on the contract and sharia principles applied to electronic money transactions. This research uses descriptive method using library learning method, that is studying theory, system, and how to work electronic money so that can found the relation of law and provision in electronic money transaction. This writing produces information about the legal contract and sharia principles in transactions that exist in electronic money.

Electronic Money and Payment Systems

2011 ◽  
pp. 214-250
Author(s):  
Santosh K. Misra ◽  
Jayavel Sounderpandian
Keyword(s):  
Payment System ◽  
Payment Systems ◽  
Electronic Money ◽  
Government Regulations ◽  
And Performance

This chapter describes the demands on any acceptable type of money or payment system and examines how well the existing electronic money and payment systems satisfy those demands. Certain weaknesses in security and performance still remain in these systems and they need to be overcome before the systems can be completely accepted. It is also not clear what kind or government regulations may be brought to bear on these systems. Even with these weaknesses and uncertainties, a variety of systems are thriving, and their details are given in this chapter.

EFEKTIVITAS PEMBAYARAN NON TUNAI PADA UMKM DAERAH ALIRAN SUNGAI CITARUM

2019 ◽  
Vol 8 (2) ◽  
pp. 1
Author(s):  
Agung Edi Rustanto ◽  
Iis Kartini
Keyword(s):  
River Basin ◽  
Rapid Development ◽  
Payment System ◽  
Business Strategies ◽  
Payment Systems ◽  
Business People ◽  
Business Results ◽  
Payment Instruments ◽  
Cash Payment ◽  
Correlation Risk

<p class="Style4"><span>The rapid development of non-cash payment systems has also developed non-cash payment instruments which are alternative choices for MSMEs in the Citarum river basin to increase sales because they offer convenience to customers. MSMEs in the Citarum River Basin still need to accelerate in terms of business strategies to improve their business results. This needs to be done because buying and selling transactions with a non-cash payment system can be an efficient payment alternative as well as for transactions that can increase the effectiveness of the payment system at MSMEs. This research aims to help the community and MSMEs in the Citarum watershed to be more effective in making payment systems so that people make payments more easily and can increase sales. Non-cash payment systems are very useful for business people and the community in making payments so that MSMEs in the Citarum watershed are more advanced. The method used is the biplot and logit to determine the mapping model of the effectiveness of non-cash payments to MSMEs. The results of this study are that overall perceptions of benefits, convenience and risk from MSMEs do not significantly influence the effectiveness of non-cash payments. Between Perception of Benefits, Perception of Ease and Effectiveness has a positive correlation. Risk perception with other variables has a very low correlation.</span></p><p class="Style4"><span><strong>Key words:</strong> effectiveness, non-cash payment system, MSME</span></p>

scholarly journals Features of teaching the use of information technologies when obtaining financial services

2019 ◽  
Vol 16 (3) ◽  
pp. 219-230
Author(s):  
Olga Yu Zaslavskaya ◽  
Natalia A Usova
Keyword(s):  
Financial Literacy ◽  
Financial Services ◽  
Financial Stability ◽  
Information Technologies ◽  
Complex Analysis ◽  
Payment System ◽  
Educational Resource ◽  
Payment Systems ◽  
Electronic Resource ◽  
Cash Payment

Problem and goal. In article the complex analysis of the organization of processes of training of users to work with non-cash payment system with use of means of informatization and an assessment of efficiency of the electronic educational resource which is in a special way developed allowing to organize such training is carried out. The aim was to identify the specifics of training the population to use a non-cash payment system for goods and services on the basis of the developed electronic resource, which is to consider the classification of Russian and international payment systems, the experience of their use, the possibilities of information and telecommunication technologies in the organization of such training. This made it possible to design a model of increasing the level of financial literacy, to develop an educational electronic resource, to organize and conduct training built using information technology, as well as to evaluate the effectiveness of the developed educational electronic resource in the formation of financial literacy. Methodology. During the design of a special electronic educational resource, the study of special literature and normative legal acts was carried out. The study was based on the works of A.I. Savelyev, A.V. Pukhov, D. A. Kochergin, V.A. Lopatin, S.V. Krivoruchko, V.M. Ionov, 1. Semenikhin, D. Pominov, V.A. Dadalko, P.A. Tamarov, etc. The study used: the method of direct monitoring of quality testing of the site, which allowed to determine what are the features of the website design, as well as to formulate recommendations for its change (as part of the direct observation, we measured the speed of the respondent’s navigation on the site, the emotional state, as well as a list of sections of interest to respondents to a greater extent), and method of in-depth interview, aimed to assess the compliance of the content of the developed materials with the requirements of the target group of consumers and potential users of the portal. The focus group as a method is not suitable in this study due to the fact that respondents differ too much in age and level of financial literacy. Results. The article presents a detailed analysis of the level of financial literacy of the population of the Russian Federation. The study confirmed the relevance of the problem of low level of financial literacy of the Russian population, as well as the need to develop an information tool to solve this problem. As part of the project, a prototype of the website was developed as an information tool to improve the level of financial literacy of the population. The choice of the website as a tool for effective informatization of financial literacy training was based on the statistics of growth of Internet users, as well as on the choice of the target audience aged 20 to 35 years. Conclusion. Features of informatization of training on the use of non-cash payment system are considered based on the use of a prototype website specifically for current and future users of financial services. This portal is aimed at developing users’ independent skills of comparison and selection of payment systems and e-wallets on the basis of indicators of their financial stability. The functionality of the portal is aimed at finding and mastering by the user the important principles of working with banking products, and to ensure that users of the portal are always aware of the next seminars and events to improve financial literacy in their city of residence.

PROSPECTS FOR THE DEVELOPMENT OF THE LEGAL MECHANISM FOR THE FUNCTIONING OF PAYMENT SYSTEMS

2020 ◽  
Vol 13 (3) ◽  
pp. 079-084
Author(s):  
ELIZAVETA SALINA ◽  
Keyword(s):  
Legal Framework ◽  
Legal Regulation ◽  
Payment System ◽  
State University ◽  
Payment Systems ◽  
Proper Functioning ◽  
Money Transfer ◽  
Level Of Significance ◽  
Transfer Services ◽  
Legal Mechanism

1 Lomonosov Moscow State University, Moscow, Russia The presented research reveals an approach to the construction of a legal mechanism for the functioning of payment systems. The proposed approach is based on the application of the principles of legal regulation. The purpose of a work is to determine the existing legal mechanism for the functioning of payment systems, identify its drawbacks and propose a new approach to legal regulation to ensure the proper functioning of payment systems. The proposed approach to legal regulation takes into account the specifics of the functioning of payment systems, which consists in the presence of three elements in its activities: institutional, procedural and organizational. These elements reflect the subject structure of the payment system, the process of providing money transfer services by them, and the ways in which payment system entities interact during providing payment services. Each of the elements must be defined within the legal framework of the payment system to ensure its proper functioning. The proposed principles of legal regulation take into account the features of these elements, in particular, the principles are classified into three groups, depending on the element they affect. The paper describes ways to implement the principles in the legal mechanism: the possibility of their direct application, depending on the type of significance of the payment system, is analyzed. It is also concluded that the implementation of the principles in the legal mechanism will reduce the regulatory burden on payment systems by using an approach depending on the level of significance of the payment system. The paper defines the role of the principles, which is that the principles allow to eliminate the legal gaps in the legislation on the national payment system, and prevent the emergence of new gaps.

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