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All Journal Jurnal Pajak Indonesia (Indonesian Tax Review) Jurnal Bisnis dan Manajemen (JBM)
Salim, Dhea Ramadhani
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Economics, Econometrics & Finance Education Social Sciences

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STRATEGI PENINGKATAN KEWASPADAAN PENGGUNAAN E-WALLET: TINJAUAN TEORI PERILAKU TERENCANA Salim, Dhea Ramadhani; Annisya, Annisya; Pitri, Dzahwa Aura; Dianawati, Piana; Firmansyah, Buyung
Jurnal Bisnis dan Manajemen (JBM) JBM Vol 20 (2024): Issue 2
Publisher : Faculty of Economics and Business University of Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23960/jbm.v20i2.2746

Abstract

Transaction methods are rapidly evolving, offering significant benefits and convenience to society. The transition to a cashless society is marked by the growing use of e-wallets for transactions. While e-wallets provide substantial advantages, they also come with risks, such as potential data breaches and theft. This research aims to outline strategies for enhancing awareness of e-wallet usage and to present new insights into awareness strategies for e-wallets. A qualitative methodology with a descriptive approach was employed. A questionnaire served as the research instrument, and the collected data were analyzed and presented descriptively. The study targeted individuals aged 17 to 30 years in the Bandung City area. Findings indicate that the DANA application is the most widely used, with a prevalence of 54%. Perceived compatibility is reflected in ease of access, effectiveness, and flexibility. Perceived risks associated with e-wallets stem from various technical issues and threats from malicious actors. Increased awareness is crucial for improving vigilance in e-wallet use, including safeguarding user privacy, regularly monitoring account balances, and adhering to relevant regulations. Keywords: Transactions, E-wallet, Risk, Strategy, Awareness Abstrak Metode transaksi semakin berkembang dan mendatangkan manfaat serta kemudahan bagi masyarakat. Masyarakat mulai beralih pada cashless society menggunakan e-wallet sebagai alat untuk bertransaksi. Kemudahan dan keuntungan yang diberikan produk e-wallet tidak terlepas dari risiko yang mengancam kerugian penggunanya. Risiko peretasan dan pencurian data pengguna dapat terjadi. Tujuan dari penelitian ini untuk mendeskripsikan strategi peningkatan kewaspadaan dalam menggunakan e-wallet dan memberikan informasi baru terkait strategi kewaspadaan penggunaan e-wallet. Dalam penelitian ini digunakan metode kualitatif dengan pendekatan deskriptif. Kuesioner digunakan sebagai instrumen penelitian dan hasil penelitian yang telah diperoleh diolah dan disajikan melalui deskripsi dalam bentuk tata kalimat. Subjek dalam penelitian merupakan masyarakat umur 17 sampai 30 tahun di wilayah Kota Bandung. Berdasarkan penelitian diketahui produk e-wallet yang memiliki jumlah pengguna terbanyak diduduki oleh aplikasi DANA dengan persentase 54%. Kesesuaian pengguna dengan produk e-wallet ditandai dengan kemudahan akses, efisien, efektif, aman, dan fleksibel. Penggunaan e-wallet juga dipengaruhi kontrol atau pengaruh dari luar, seperti teman atau keluarga. Risiko yang dirasakan dalam penggunaan e-wallet muncul akibat berbagai gangguan teknis dan ancaman dari oknum yang tidak bertanggung jawab. Dalam meningkatkan keamanan dan kenyamanan pengguna diperlukan kesadaran untuk meningkatkan kewaspadaan dalam menggunakan e-wallet, seperti menjaga kerahasiaan pengguna, rutin mengecek saldo serta mengikuti aturan dan ketentuan. Kata Kunci : Transaksi, E-wallet, Risiko, Strategi, Kewaspadaan
Tax Transformation through Artificial Intelligence: A Systematic Review of Generational Preference Differences and their Impact on Tax Compliance Hakam, Lazuardi Imani; Kurniawati, Susanti; Akram, Fathin Mufid; Salim, Dhea Ramadhani; Fuadi, Siti Sarah
JURNAL PAJAK INDONESIA Vol 8 No 2 (2024): Transformasi Perpajakan: Peran Artificial Intelegence dalam sistem perpajakan mod
Publisher : Politeknik Keuangan Negara STAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31092/jpi.v8i2.3168

Abstract

This study aims to analyze the impact of AI adoption on tax compliance with a focus on generational differences. Then, it provides scientific evidence from the perspective of Generation, X, Y, and Z regarding the impact of AI on tax compliance. This research departs from the concern that studies on Artificial Intelligence implications in the field of taxation generally only focus on technical aspects and its impact on tax authorities, but do not really explore how AI affects taxpayer behavior, especially generational differences in tax compliance. This research uses a systematic review method with the PRISMA framework. The purpose of this review is to identify, analyze, and synthesize peer-reviewed journal articles from the Scopus database that address the role of AI, tax compliance, and generational differences in technology adoption. Data from the selected studies were synthesized using a thematic analysis approach, a method that involves identifying themes and patterns that recur across studies. Based on the results, AI significantly improves the efficiency of tax administration by automating complex processes. The younger generation sees AI as a way to improve financial and taxation processes, while the older generation is slower to adopt this technology due to concerns about data security and lack of skills in digital platforms. AI offers great prospects for improving tax compliance and administration, but its success depends on addressing the age gap in technology adoption. Policymakers should tailor their approach to the specific needs of each age group, providing incentives and convenience for young users and emphasizing trust and assistance for older users.
STRATEGI PENINGKATAN KEWASPADAAN PENGGUNAAN E-WALLET: TINJAUAN TEORI PERILAKU TERENCANA Salim, Dhea Ramadhani; Annisya, Annisya; Pitri, Dzahwa Aura; Dianawati, Piana; Firmansyah, Buyung
Jurnal Bisnis dan Manajemen (JBM) JBM Vol 20 (2024): Issue 2
Publisher : Faculty of Economics and Business University of Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23960/jbm.v20i2.2746

Abstract

Transaction methods are rapidly evolving, offering significant benefits and convenience to society. The transition to a cashless society is marked by the growing use of e-wallets for transactions. While e-wallets provide substantial advantages, they also come with risks, such as potential data breaches and theft. This research aims to outline strategies for enhancing awareness of e-wallet usage and to present new insights into awareness strategies for e-wallets. A qualitative methodology with a descriptive approach was employed. A questionnaire served as the research instrument, and the collected data were analyzed and presented descriptively. The study targeted individuals aged 17 to 30 years in the Bandung City area. Findings indicate that the DANA application is the most widely used, with a prevalence of 54%. Perceived compatibility is reflected in ease of access, effectiveness, and flexibility. Perceived risks associated with e-wallets stem from various technical issues and threats from malicious actors. Increased awareness is crucial for improving vigilance in e-wallet use, including safeguarding user privacy, regularly monitoring account balances, and adhering to relevant regulations. Keywords: Transactions, E-wallet, Risk, Strategy, Awareness Abstrak Metode transaksi semakin berkembang dan mendatangkan manfaat serta kemudahan bagi masyarakat. Masyarakat mulai beralih pada cashless society menggunakan e-wallet sebagai alat untuk bertransaksi. Kemudahan dan keuntungan yang diberikan produk e-wallet tidak terlepas dari risiko yang mengancam kerugian penggunanya. Risiko peretasan dan pencurian data pengguna dapat terjadi. Tujuan dari penelitian ini untuk mendeskripsikan strategi peningkatan kewaspadaan dalam menggunakan e-wallet dan memberikan informasi baru terkait strategi kewaspadaan penggunaan e-wallet. Dalam penelitian ini digunakan metode kualitatif dengan pendekatan deskriptif. Kuesioner digunakan sebagai instrumen penelitian dan hasil penelitian yang telah diperoleh diolah dan disajikan melalui deskripsi dalam bentuk tata kalimat. Subjek dalam penelitian merupakan masyarakat umur 17 sampai 30 tahun di wilayah Kota Bandung. Berdasarkan penelitian diketahui produk e-wallet yang memiliki jumlah pengguna terbanyak diduduki oleh aplikasi DANA dengan persentase 54%. Kesesuaian pengguna dengan produk e-wallet ditandai dengan kemudahan akses, efisien, efektif, aman, dan fleksibel. Penggunaan e-wallet juga dipengaruhi kontrol atau pengaruh dari luar, seperti teman atau keluarga. Risiko yang dirasakan dalam penggunaan e-wallet muncul akibat berbagai gangguan teknis dan ancaman dari oknum yang tidak bertanggung jawab. Dalam meningkatkan keamanan dan kenyamanan pengguna diperlukan kesadaran untuk meningkatkan kewaspadaan dalam menggunakan e-wallet, seperti menjaga kerahasiaan pengguna, rutin mengecek saldo serta mengikuti aturan dan ketentuan. Kata Kunci : Transaksi, E-wallet, Risiko, Strategi, Kewaspadaan
Co-Authors Akram, Fathin Mufid Annisya, Annisya Buyung Firmansyah Dianawati, Piana Fuadi, Siti Sarah Lazuardi Imani Hakam Pitri, Dzahwa Aura Susanti Kurniawati, Susanti