AKSIOMA : Jurnal Sains Ekonomi dan Edukasi
Vol. 3 No. 1 (2026): AKSIOMA : Jurnal Sains, Ekonomi dan Edukasi

Transformasi Sistem Pembayaran Digital: Analisis Implementasi dan Dampak Penggunaan Virtual Account pada Sektor Perbankan dan Pendidikan

Adi, Farhan (Unknown)
Diroska, Risqi Tirta (Unknown)
Kartini, Ida Ayu Nuh (Unknown)

Article Info

Publish Date
05 Jan 2026

Abstract

The development of digital technology has changed the way financial transactions through the use of virtual accounts (VA) as an automatic and accurate payment method. This study aims to analyze the working mechanism, advantages, and implementation of VA based on national and international literature. The method used is a literature study by studying relevant journals. The results show that the use of VA significantly improves time efficiency, record-keeping accuracy, and transaction security by reducing the risk of manual errors. The implementation of VA has proven to be effective in the education and banking sectors in supporting the digitalization of administration.

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Journal Info
AKSIOMA : Jurnal Sains Ekonomi dan Edukasi
Website

Abbrev

AKSIOMA

Publisher

Lembaga Pendidikan dan Penelitian Manggala Institute

Subject

Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

Description

AKSIOMA : Jurnal Sains Ekonomi dan Edukasi accomodates original research or theoretical papers. We invite critical and constructive inquiries into wide range of fields of study with emphasis on interdisciplinary approaches: Science, Economic, Finance, Information Technology, Education, Law and ...