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All Journal Jurnal Bisnis dan Manajemen Jurnal Keuangan dan Perbankan Jurnal Manajemen dan Bisnis Sriwijaya Jurnal Aplikasi Bisnis dan Manajemen (JABM) E-Journal MIX : Jurnal Ilmiah Manajemen CARADDE: Jurnal Pengabdian Kepada Masyarakat Jurnal Riset Akuntansi dan Keuangan Jurnal Riset Manajemen dan Bisnis
Ari Christianti
Universitas Kristen Duta Wacana
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences

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The Impact of Cashless Payment on Economic Growth in Indonesia Christianti, Ari
Jurnal Aplikasi Bisnis dan Manajemen Vol. 10 No. 1 (2024): JABM, Vol. 10 No. 1, Januari 2024
Publisher : School of Business, Bogor Agricultural University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/jabm.10.1.151

Abstract

The development of digitization in payments has begun to replace cash payments with cashless payments. This study examines the effect of cashless payments on economic growth in Indonesia using quarterly data from 2010 to 2021. Economic growth in this study is proxied by gross domestic product, and cashless payments are proxied by transaction values from ATMs/debit cards, credit cards, and electronic money. The quantitative analysis method used in this research is time series with Error Correction Modeling (ECM). One of the benefits of ECM is that this model can be used to see the effect of economic variables in the short and long term. The study results show that cashless payments do not affect economic growth in the short term. However, in the long run, cashless payments in the form of ATM/debit and electronic money positively affect Indonesia's economic growth, even though these results have remained consistent during the Covid-19 pandemic. The results of this study indicate that in the short term, cashless will not directly affect economic growth. This finding may be because cashless payments require time (in the long term) in the equitable availability of infrastructure development, digital ecosystems, and the process of public financial literacy, so it takes time for cashless to impact economic growth. Keywords: ATMs/debit cards, credit cards, economic growth, electronic money, Error Correction Modeling (ECM)
Co-Authors Anissa Mega Ratri Nindy Livia Luciawanty pande rahayu trisna utami Tasya Natalia Pengestika Vania Yulianti