FACTORS AFFECTING ELECTRONIC MONEY (E-MONEY) SALES CASE STUDY IN BANKING ENTITIES IN INDONESIA
Fakultas Ekonomi Universitas Gunadarma
Indonesia
Fakultas Ekonomi Universitas Gunadarma
Indonesia
Fakultas Ekonomi Universitas Gunadarma
Indonesia
Abstract
Electronic money instruments with non-cash transactions continue to increase positively from year to year. This is also due to the launch of the national non-cash or cashless movement which has been widely applied, especially in Indonesia. This study aims to find out what factors influence e-money sales, especially in banking entities in Indonesia. This study uses multiple linear regression analysis method using SPSS 22, which aims to examine the relationship or effect of the dependent variable with the independent variable. The results of the study have found that in the partial sale of electronic money is only influenced by e-money marketing channels / partnerships. While ease of transaction, ease of top up, and type of design do not have an impact on e-money sales. Meanwhile, simultaneously, these factors have an impact on E-Money sales.
Keywords
References
Davis , F.D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. Management Information Systems Research Center, University of Minnesota, 13 (3), 319-340.
Diniz, E., Porto, R.M., Adachi, T,. (2004). Internet banking in Brazil: evaluation of functionality, reliability and usability. Electronic Journal of Information Systems Evaluation, 8 (1),41-50.
Farida, N., Ardyan, E., & Nuryakin. (2016). Gender differences in interest in using electronic money: An application of theory planned behavior. International Review of Management and Marketing, 6(4), 898-903.
Klarmann, M., Schmitt, J., & Homburg, C. (2010). Brand awareness in business markets: when is tt related to firm performance?. Intern. J. of Research in Marketing, 27 (2010), 201–212. Doi:10.1016/J.Ijresmar.2010.03.004
Okeke, T. C., & Amobi, D. C. (2014). A discriminant analysis of electronic banking in Nigeria. Journal of Emerging Trends in Economics and Management Sciences, 5(2),194-200.
Poon , W. C. (2008). Users adoption of e-banking services: The Malaysian perspective. Journal of Business and Industrial Marketing, 23(1),59–69.
Radner, R. & Rothschild, M., (1975). On the allocation of effort. Journal of Economic Theory, 10(3), 358-376.
Rahmayanti, A., & Husaeni, M,. (2017). Konstruksi daya saing kartu e-toll Bank Mandiri dari perspektif pelanggan dengan implementasi model technology acceptance model (TAM) di kalangan seluruh civitas akademika Perbanas Institute. Jurnal Riset Perbankan Manajemen dan Akuntansi. 1(1), 1-11.
Seva, S. (2017). Pengaruh kualitas pelayanan dan kualitas produk terhadap kepuasan nasabah Bank Mandiri (Persero) Tbk.(studi kasus Bank Mandiri cabang Surabaya Undaan) (Undergraduate thesis). Fakultas Ekonomi Bisnis, Program Studi Manajemen, Universitas 17 Agustus 1945 Surabaya.
Sigar, J. F. (2016). Pengaruh persepsi manfaat, persepsi kemudahan dan persepsi kesenangan niat menggunakan uang elektronik di Manado. Jurnal EMBA, 4(2), 498-507.
Soerfianto, Iswi, H., & Serfiani, C.Y. (2012). Untung dengan kartu kredit, kartu ATM-Debit, dan uang elektronik. Jakarta: Visimedia
Tjiptono, Fandy. (2005). Pemasaran jasa. Edisi Pertama, Yogyakarta: Penerbit Bayumedia Publishing.
Turban, E., King, D., Lee, J., Warkentin, M., & Chung, H. M. (2014). Electronic commerce 2002: A managerial perspective. New Jersey, USA: Prentice Hall.
Wibowo, F.S., Rosmauli, D., Suhud., U. (2015). Pengaruh persepsi manfaat, persepsi kemudahan, fitur layanan dan kepercayaan terhadap minat menggunakan e-money card (studi pada pengguna jasa commuterline di Jakarta. Jurnal Riset Manajemen Sains Indonesia, 6 (1), 440-456.
Zhang, W., Liu, Y. & Liu Y. (2002), Optimal var planning in area power system. Proceedings. International Conference on Power System Technology. DOI: 10.1109/ICPST.2002.1047146. Kunming, China.
