An Analysis of Problem Situation of the Use of Electronic Payment Instrument in Indonesia

Abstract

This study examines the use of electronic payment instrument (EPI) problems in Indonesia. EPI in this study consists of debit card and credit card. The level of the use of EPI in Indonesia is currently still low caused by various complex problems in practice. To unravel the problems of the use of EPI and create a solution to these problems, in this research used the approach of Soft System Methodology (SSM). The result of the analysis shows that there are three problem aspects of the use of EPI in Indonesia, infrastructure, human resources, and regulation aspect. The problem related to the infrastructure aspect is divided into two terms, information technology (IT) aspect and the availability of EDC in merchants has not been evenly distributed. Regarding the problem related to human resources aspect, firstly, it concerns the competence of employees in operating the EDC, and secondly, the problem concerns society behavior of cash transaction. The last problem is the regulation support which has not been optimal.

Keywords: electronic payment instrument, behavior changes, cashless society