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All Journal Journal of Tropical Life Science : International Journal of Theoretical, Experimental, and Applied Life Sciences EDUKASIA Kodifikasia: Jurnal Penelitian Islam Jurnal Agroteknos Eksplorium : Buletin Pusat Pengembangan Bahan Galian Nuklir Jurnal Penelitian Pertanian Terapan Sinkron : Jurnal dan Penelitian Teknik Informatika International Journal of Artificial Intelligence Research Jurnal Agrotek Tropika Jurnal Riset Inspirasi Manajemen dan Kewirausahaan Dialogia: Jurnal Studi Islam dan Sosial JURNAL KAJIAN TEKNIK MESIN International Journal of Economics, Business and Accounting Research (IJEBAR) Jurnal JTIK (Jurnal Teknologi Informasi dan Komunikasi) Dinasti International Journal of Digital Business Management Jurnal Agrotropika BAKTI BANUA : JURNAL PENGABDIAN KEPADA MASYARAKAT Jurnal Mandala Pengabdian Masyarakat JYRS: Journal of Youth Research and Studies Journal of Agriculture (JoA) Research Review: Jurnal Ilmiah Multidisiplin JPNM : Jurnal Pustaka Nusantara Multidisiplin Jurnal Pendidikan Profesi Guru Jurnal Pengabdian Fakultas Pertanian Universitas Lampung Asian Journal of Environmental Research ISLAMITSCH FAMILIERECHT JOURNAL International Journal of Technology and Education Research Economics Development Analysis Journal CJPP Jurnal Proteksi Agrikultura Jurnal Ilmiah Manajemen Profetik Servqual: Jurnal Ilmu Manajemen
Muhammad Nurdin
Jurusan Teknik Elektro, ITB, Bandung
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Humanities Automotive Engineering Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Mechanical Engineering Medicine & Pharmacology Public Health Social Sciences Other

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Journal : Economics Development Analysis Journal

 1 
Analyzing The Development of Cashless Society Using the Structural Equation Modeling Nurdin, Muhammad; Fernandes, Adji; Sumarminingsih, Eni; Solimun; Ullah, Muhammad
Economics Development Analysis Journal Vol. 13 No. 4 (2024): Economics Development Analysis Journal
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/edaj.v13i4.15874

Abstract

Payment systems continue to evolve alongside advancements in information technology, driving the digitization of financial services and payment instruments. This study examines the influence of Psychological, Socio-Cultural, and Personal Factors on adopting electronic money and the growth of a cashless society, with Financial Technology as a moderating variable. The research involved 1,000 Bank BNI customers in the Jabodetabek area (Jakarta, Bogor, Depok, Tangerang, and Bekasi) actively using BNI Mobile Banking services. The analytical methods employed include Discourse Network Analysis and Structural Equation Modeling to develop a comprehensive analysis model. The results indicate that psychological and personal factors—such as motivation, perception, learning, positive attitude, modern lifestyle, and openness to change—significantly influence electronic money usage. However, socio-cultural factors do not exhibit a significant impact, primarily due to persistent cash usage habits and a lack of trust in technology. This study highlights the need for financial education to promote awareness of electronic money benefits and security, develop tailored financial products, and enhance regulatory collaboration between the government and relevant institutions.
Co-Authors Abdul Muhaimin, Abdul Abdul Rachman Achmad Noerkhaerin Putra Ahmad Randy Aisya, Sitti Akhmad Darmawan Alfiannor, Alfiannor Alvianna, Stella Ansharullah ansharullah Arham, Zul Ariani, Novita Arief Budi Nugroho, Arief Arwanto, Arwanto Asnawi Asnawi Bambang Setiawan Cipta Ginting, Cipta Devina Hutabarat, Yessica Diana, Ulfa Djohan, M Widda Dodik Jatmika Eka Fitrianto, Eka Elsa Sely Rahmayani Eni Sumarminingsih Ermawati Ermawati Faishol, Faris Fauziah Fauziah Fernandes, Adji Findriyani, Ella Fredita, Silva Yumi Ginting , Cipta Halim, Levin HALIMATUSSADIYAH -, HALIMATUSSADIYAH Handayani, Ridha Hariyanto, Nanang Hasriadi Mat Akin Helina, Selvi Hery Syaeful Inrianti, Inrianti Irvani, Ahmad Irwan Irwan Ivayani, Ivayani Jahri, Muhammad Jamika, Dodik Joko Prasetyo Kasiono, Roy Khouruh, Umu Kurnia Setiawan Widana Kusuma, Arvi Yuniar Liandari, Rizky Fatma Lita Norfiana Maindi, Andri Jahir Maulidiyah MAULIDIYAH -, MAULIDIYAH Maulidiyah Maulidiyah Medi Hendra, Medi Megawati Melati Muh. Edihar Muhammad Darwis Meyandie Nasution Muhammad Thoyib Muhammad Yahya Mustapa, Faizal Muzakki, M Harir Ngadenin Ngadenin Nur Aini, Yuliani Nur, Hasanah Nurhikmah Nurhikmah Nursaibah Primahana, Gian Putri, Syifa Oktaviani Putri, Viola Augustia Rachmadina, Najma Fadya Ratih Titi Komalasari Refdinal Nazir Rismiati, Rismiati RR. Ella Evrita Hestiandari Rusdi Evizal Saddam, Muhamad Safitri, Annisa Saidah, Andi Salim, La Ode Agus Saragih, Delima Sembiring, Rinawati Shanty Komalasari, Shanty Siska Siska Solimun Sudi Pramono . SUKIRNO Sumiyati Tuhuteru Suparman Suparman Sutoyo Sutoyo Taufik Hidayat Titien Agustina Titik Nur Aeny Tri Maryono Tusiana Dewi Ullah, Muhammad Vidya Selasdini Wulpiah, Wulpiah Yusep Purwana Muslih Zakir Muzakkar, Muhammad