Current Trend In

Economic
Cashless Era – Electronic Money (E-money) Nama: Calvina Izumi
NPM : 21217289
Kelas : 3EB05
 Electronic money is the inconclusive term that is used to describe all
kind of actions: transactions, money keeping, where computer
systems, data storage systems, and computer networks are involved.
In Indonesia E-money is used for transportation, payment, and so on.
In this cashless era, there is many people who haven’t educated for
having an E-money even though when you have E-money, it can
What is make your life easier.
Electronic
Money?
 In Indonesia, transportation such as train who called KRL or
Commuter Line is using an E-money Card to access. E-Money cards
were launched from several banks including BRI, BCA, Mandiri, Bank
BTN, and others. Freeway is also using a E-money card.
The application for payment is also included in E-Money, in Millenial
Era we already know about OVO, Dana, Link Aja, Go-Pay who
always give a big cashback to attract customers. We also facilitated
the payment when using this application.
What can E-
Money do?
 E-money has a lot of advantages. First advantage is effective and
efficient. E-money helps people to do any transaction easier. With e-
money, we don't have to bring amount of cash to make
transactions. Also, it makes the worries about the change money
unnecessary. It gives an advantage for both seller and buyer.
Advantage & Furthermore, the process of e-money payment is faster than cash
Disadvantage payment. We don't have to count money manually, but it can be
counted by the computer system. It will make the transaction more
using E-Money accurate and help to avoid human errors. Second, the massive
utilization of e-money in society will create new employments. It
happens because many new e-money companies emerge in the
country.
 Besides the advantages, e-money also has several disadvantages.
One of them is the security system. We need account and password
to use e-money. It is also crucial to maintain the security of our e-
money. Nevertheless, the security system is not enough to keep it
safe. In some cases, the password of e-money can get leaked and
our account can be duplicated.
Advantage & Another disadvantage of e-money is we need to bring the device
Disadvantage everywhere. Because the device is an important thing and a
replacement of cash in transactions. So, if we don't bring the device
using E-Money with us then we can't make any transaction. Other disadvantage of
e-money is it can't be used in every transaction. Not every place has
the device to support the e-money payment. It causes consumers
still use cash in some transaction. Therefore, the disadvantages of e-
money will give several bad impact on us.
 In my opinion, for next innovation is security system because many
of them who using E-money complain about they information and
they security. There is more case from hackers who stole their
money or stole the data information about them.
Innovation Beside that, maybe we an educated more people to change their
payment from cash to e-payment because its help them to easily
their payment.
And also, making an application for students who wants to having
an account for e-money
What
resources are The resources that we need are new security technology and also
who can created it, we need peoples who want to learn how using it.
used to For all who doesn’t have an E-money, you an start using e-money
implement the from now because there is more advantage from using it.

innovation?