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Indonesian government is currently intensively running Non-National Movement (GNNT). This movement is intended to transfer the use of cash in all lines of payment to the use of electronic money. The same thing is also voiced by President Jokowi who wants to increase the use of electronic money in Indonesia.

Electronic money is not really a new item, its emergence in the country began in 2007. But only recently its use was heralded. In the community itself its use has mushroomed around us. Then, whether you yourself are familiar with electronic money? Do not know at all how to use it?

Therefore, Cermati.com conducts a survey of e-money usage to further examine the phenomenon of e-money use in the community. Of the 17,587 respondents, what are the interesting facts about e-money in Indonesia? Check out the following reviews.


Electronic Money Application in Indonesia Based on Coercion

Can be accustomed to, get used to being forced“. Maybe that’s the right saying to illustrate the use of electronic money in Indonesia. Starting from the regulation of the use of electronic money for the payment of Electric Railway Ticket (KRL) or also known as commuter line in June 2013 until past stipulation, the government seemed to force the use of e-money in various public lines to get the public accustomed.

In the same year, 2013, the flagship transportation sector of the capital, Trans Jakarta, is also subject to the same rules. That is the use of electronic money to pay the fare. However, it is not too strict because passengers can still buy a daily ticket (paper ticket) for one trip.

Infographic Courtesy PT. Dwi Cermat Indonesia / Cermati.

Infographic Courtesy PT. Dwi Cermat Indonesia / Cermati.

It was not until the middle of the next year that, in 2014, all Trans Jakarta fee payments were required to use electronic money. This rule followed by the regulation of payment of parking at KRL stations must use e-money in October 2014. It is considered good because the community will later be considered more practical use.


Transportation Line Sucks Most Electronic Money Users

The most common use of e-money in the transport sector is reasonable because the early introduction of e-money was to pay for transportation costs. Based on the survey Cermati.com as much as 59% of respondents or 7,967 people using e-money to pay the toll, followed by a convoy of 7,374 respondents of online transportation users and 7303 respondents of public transport users.

Furthermore, most users of electronic money is a private employee of the capital who on weekdays prefer to use public transportation to get to the office. In addition to public transportation, online transportation with non-cash payment becomes the choice of office employees. Evident from the use of the type of electronic money is the most Go-Pay (7,795 respondents). This is also supported by a discount for Go-Pay users of 30% of the normal rate.

In addition to Go-Pay, the most widely used type of e-money is Flazz cards from BCA (57.6%). This card can be used for various non-cash payments, ranging from pay Transjakarta, KRL, Parking, Toll, to shopping in minimarket. In addition to Flazz, e-money shaped other cards that many users are E-money Mandiri (52.9%). Underneath is T-Cash (29.3%), e-money from Telkomsel’s mobile operator.

Infographic Courtesy PT. Dwi Cermat Indonesia / Cermati.

Infographic Courtesy PT. Dwi Cermat Indonesia / Cermati.

In terms of effectiveness, e-money is more practical than cash. In fact, according to the survey 84.2% of respondents prefer a debit card / ATM in lieu of electronic money compared to cash with a percentage of 70.1%. Can be concluded indeed cashless method is now preferred by the community.

More Socialization Needed to Overcome Electronic Money Constraints
Behind the large number of users of electronic money, there are people who have not fully understood what the usefulness and advantages of electronic money. The proof of all respondents who numbered 17,587 people, 23.8% is not an e-money users.

After further exploring, the reason why people have not been interested in using e-money 50.9% of respondents answered still confused with the workings of e-money. There may be a deeper socialization to the community about how e-money works and what its uses are in line with the government’s plan to apply non-cash movements.

In addition, 18.2% of other respondents felt that e-money is unsafe because if the medium is lost, the money is lost. Though it only applies to e-money shaped cards. In e-money that requires an account, although the medium is lost, we can immediately anticipate the loss of funds by logging in other media. For example, Go-pay.

This shows that the respondents actually do not really understand how to work electronic money. While 17.6% of the respondents do not like the money buried in e-money and the rest feel do not need e-money because of the cost of top-up and how the top-up is considered difficult. In fact, all these obstacles can be overcome by the continued socialization to the public through mass media and so forth.


Maximize the Use of Electronic Money

For those of you who may already be familiar with the use of electronic money in everyday, maximize its use. This is because electronic money is almost usable in various sectors of the transaction. Not only about the payment of transportation and toll, but can be used seerti to shop, pay for parking, buy tickets cinema and so forth. Many advantages that can be enjoyed in addition to the simple use, attractive discounts are also offered by electronic money publishers who work with various merchants. So, still reluctant to switch to electronic money? [1]


This Article Curated by Benang Merah Komunikasi’s Editorial team.

We consider to take journalism ethics and contents reposting etiquette seriously, that you can find here about media ethics. We do curation article for our audiences, not for search engine bots. By addressing this growing area of concern we hope reader can be smart to filter and understand between content plagiarism and content curation method.

References Sources:

[1] Taken from Fakta Menarik Seputar E-money di Masyarakat written by Ismail Kamal for Cermati.

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