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All Journal MANKEU (JURNAL MANAJEMEN KEUANGAN) Jurnal Perangkat Lunak
Siti Hadijah
Universitas Islam Indragiri
Economics, Econometrics & Finance Social Sciences

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TRANSFORMATION DIGITAL PAYMENT SYSTEMS AND CHANGES IN PUBLIC TRANSACTION BEHAVIOR A QUALITATIVE STUDY OF E-WALLETS AND QRIS IN TEMBILAHAN Harbaim Septiadi; Siti Hadijah; Muhammad Fauzan
MANKEU (JURNAL MANAJEMEN KEUANGAN) Vol. 3 No. 4 (2025): MANKEU (JURNAL MANAJEMEN KEUANGAN)
Publisher : Indragiri Research Center (ingreat)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61167/mnk.v3i4.259

Abstract

The development of financial technology (fintech) has brought significant changes to the financial system, particularly in digital payment systems. Fintech innovations in the form of digital wallets (e-wallets) and the Quick Response Code Indonesian Standard (QRIS) have encouraged people to shift from cash-based transactions to more practical and efficient non-cash transactions. This transformation of the digital payment system not only impacts the technical aspects of transactions but also influences people's transaction behavior. This study aims to analyze how the transformation of the digital payment system through the use of e-wallets and QRIS influences changes in people's transaction behavior in Tembilahan. This study used a qualitative approach with data collection methods through interviews, observation, and documentation of e-wallet and QRIS users in Tembilahan. The results show that the use of e-wallets and QRIS provides convenience, speed, and flexibility in transactions, thus encouraging people to adopt digital payment systems in their daily lives. Changes in people's transaction behavior are reflected in the increasing frequency of digital payment use, changes in payment method preferences, and reduced dependence on cash. However, this study also found that people's digital literacy levels still vary, and some users still have concerns regarding transaction security and personal data protection. In the local context of Tembilahan, the transformation of the digital payment system is gradual and influenced by community habits, technology experience, and digital payment infrastructure support. This study concludes that e-wallets and QRIS play a strategic role in driving the transformation of the digital payment system and shaping changes in people's transaction behavior. The findings of this study are expected to serve as a reference for the government, digital payment service providers, and future researchers in developing an inclusive and sustainable digital payment system.
SISTEM INFORMASI PENJUALAN TIKET BOAT BERBASIS WEB Siti Hadijah; Usman; Fitri Yunita
JURNAL PERANGKAT LUNAK Vol 2 No 3 (2020): Jurnal Perangkat Lunak
Publisher : Indragiri Islamic University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32520/jupel.v2i3.1113

Abstract

ABSTRACT This system provides speed boat ticket booking services online. This system helps prospective passengers when they want to depart with different specific destinations. This system is only implemented in three speed boat counters and these three boat counters have not used the online ticket booking system, for booking activities can only be done via telephone or come directly to the pocket. Sometimes when ordering tickets customers often run out of seats, then when making reports employees require a relatively long time because they have to calculate all transactions using a calculator so that it can cause errors during the addition process. It is hoped that through this information system prospective passengers can immediately order boat tickets that still provide empty seats, find out departures, schedules, costs and destinations that can be done online. This system is not only useful for prospective passengers, but this system can be useful for ticket holders and employees. With this system employees can also be facilitated when they want to make transaction reports, find out all information about passengers. The owner can also immediately know the total transactions per day, without having to wait for monthly reports. In designing this web-based boat ticket ordering information system, it is drawn into the form of a DFD (Data Flow Diagram) diagram, while the test used is UAT (User Acceptance Test) and using the PHP (Personal Home Page) programming language.
Co-Authors Fitri Yunita Harbaim Septiadi MUHAMMAD FAUZAN Usman, Usman