The Role of E-Wallet's Actual Consumer in Indonesia with Policy Perspective and Consumer Perception Using Latent Dirichlet Allocation (LDA) Method
DOI:
https://doi.org/10.21776/ub.profit.2023.017.01.5Keywords:
E-wallet; Actual Consumer; Policy; Consumer Perception; Latent Dirichlet Allocation (LDA)Abstract
The purpose of the research to analyze how the role of policy provisions issued by Central Bank of Indonesia, known as BI and The Financial Services Authority related to non-cash payment systems, especially E-wallets, it has an important role to E-wallet’s actual consumer in Indonesia.
The next point is how does consumer perceptions has the important role in its interest for using E-wallets in Indonesia. The research’s type is such qualitative research, by using Topic Modeling by web scrapping from online news article. The amount of the articles is 1,215. This research using Phyton Software version 3.10 for help for analyzing. The results of the current research using LDA method include topic 1 is 45.9%, topic 2 is 32.9% and topic 3 is 21.2%. The conclusion of the research show that the policies regarding E-wallets, issued from BI and the Financial Services Authority, it has an important role towards to the actual consumer from E-wallets in Indonesia. From the point of view of consumer perceptions regarding E-wallets, it has an important role in the interest of consumer's actual in using E-wallets.
References
Ajmera, H. (2020). Factors affecting the consumer’s adoption of E-wallets in India: An empirical study. Alochana Chakra Journal, IX(VI), 1081–1093. https://www.academia.edu/44118984/_Factors_affecting_the_consumers_adoption_of_E_wallets_in_India_An_empirical_study_
Alif, M. S. (2020). Analisis Kesadaran Keamanan Dalam Penggunaan E-Wallet Di Indonesia. [Universitas Islam Indonesia]. In Universitas Islam Indonesia. https://dspace.uii.ac.id/handle/123456789/29705
Annur, cindy mutia. (2021). E-Wallet, Produk Keuangan yang Paling Rentan Kebocoran Data. Databoks. https://databoks.katadata.co.id/datapublish/2021/12/09/e-wallet-produk-keuangan-yang-paling-rentan-kebocoran-data
Bank Indonesia. (2021). Bank Indonesia.
Chandra, D. H. W. ; J. M. Y. S. (2021). Analisis Faktor Penggunaan Dompet Digital Studi Kasus di Kota Surabaya. Seminar Nasional Teknik Dan Manajemen Industri, 200–206. https://sentekmi.maranatha.edu/index.php/sentekmi2021/article/view/90
Davis, F. (1989). Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology. JSTOR, 13(3), 319. https://doi.org/https://www.jstor.org/stable/249008?origin=crossref
Dhia, A. W. (2021). Analisis Faktor-Faktor Yang Memengaruhi Niat Melanjutkan Penggunaan E-Wallet [Universitas Islam Indonesia]. https://dspace.uii.ac.id/handle/123456789/30875
Diny, H., & Vanomy, A. E. (2022). ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI INTENSI IMPLEMENTASI E-MONEY DALAM TRANSAKSI USAHA PADA PEDAGANG ASONGAN UNTUK MENINGKATKAN CASHLESS SOCIETY DI BATAM. Profit Unibraw, 16(2), 158–173. https://profit.ub.ac.id/index.php/profit/article/view/2624
houston. (2020). Adopsi Penerimaan Digital Payment Pada Kalangan Milenial. Miedium, 7(2), 55–67.
Hutami, L. T. H. (2018). Intensi Penggunaan Electronic Wallet Generasi Millenial Pada Tiga Startup “Unicorn” Indonesia Berdasarkan Modifikasi Tam. Jurnal Manajemen, 8(2), 136–145. http://jurnalfe.ustjogja.ac.id/index.php/manajemen/article/view/702/339
Iprice. (2020). Top-E-Wallet-Di-Indonesia-2020. Https://Iprice.Co.Id/.
Ipsos. (2020). ipsos-media-conference-strategi-menang-tanpa-bakar-uang. 12 Februari.
K.B.R.Indonesia. (2018). No Title. https://kemlu.go.id/canberra/id/read/indonesia/2186/etc-menu
katadata.co.id. (2021a). No Title. Katadata.Co.Id. https://katadata.co.id
katadata.co.id. (2021b). No Title.
Khong, T. (2021). Examining actual consumer usage of E-wallet: A case study of big data analytics. Computers in Human Behavior, 121(2021). https://www.sciencedirect.com/science/article/abs/pii/S0747563221001011?via%3Dihub
Kyngas, anna maija pietila; sanna maria nurmi; arja hakoaho; helvi. (2019). Qualitative Research: Ethical Considerations. Springer Link, 49–69. https://doi.org/https://doi.org/10.1007/978-3-030-30199-6_6
Lim; Kuiyu chang; Ee Peng, & He;Qi. (2007). Analyzing feature trajectories for event detection. Proceedings of the 30th Annual International ACM SIGIR Conference on Research and Development in Information Retrieva, 207–214. https://dl.acm.org/doi/10.1145/1277741.1277779
Python. (2022). Python. https://www.python.org/about/
Rahardjo, P. A. D. E. S. A. K. (2020). adoption of the mobile payment system in small medium-sized enterpriseS. Profit Unibraw, 164–170. https://profit.ub.ac.id/index.php/profit/article/view/1005
Rikumahu, D. Y. A. B. (2020). Faktor-Faktor yang Mempengaruhi Adopsi Pelanggan dan Niat Untuk Merekomendasikan Electronic Wallet OVO Factors Affecting the Customer Adoption and Intention to Reccomend Electtonic Wallet OVO. EProceedings of Management, 169–174. https://openlibrarypublications.telkomuniversity.ac.id/index.php/management/article/view/11525
Rina, R. S. L. S. P. R. (2020). Persepsi Konsumen Terhadap Penggunaan Dompet Digital. ISOQUANT(Jurnal Ekonomi, Manajemen, Dan Akuntansi, 4(1), 17–34. https://studentjournal.umpo.ac.id/index.php/isoquant/article/view/323/307
Setiawan, J., & Albi, A. (2018). Metode Penelitian Kualitatif (E. Deffi Lestari (ed.); pertama).
Sugiyono, P. D. (2013). Metode Penelitian Kuantitatif, Kualitatif dan R&D. CV Alfabeta.
Widodo, M. . (2019). Extending UTAUT2 to Explore Digital Wallet Adoption in Indonesia. International Conference. https://doi.org/https://doi.org/10.1109/ICOIACT46704.2019.8938415
Wu, J. H., & Wang, S. C. (2005). What drives mobile commerce?: An empirical evaluation of the revised technology acceptance model. Information & Management, 42(5), 719–729. https://doi.org/https://doi.org/10.1016/J.IM.2004.07.001
Xendit. (2020). 6 Keuntungan Transaksi Non Tunai yang Harus Anda Ketahui. Xendit. https://www.xendit.co/id/blog/6-keuntungan-transaksi-non-tunai-yang-harus-anda-ketahui/
Yuliana, Y. D. R. R. (2020). Pengaruh Persepsi Manfaat, Kemudahan Dan Keamanan Terhadap Keputusan Penggunaan E-Wallet. ECONBANK: Journal of Economics and Banking, 2(2), 157–168. http://jurnal.stiebankbpdjateng.ac.id/jurnal/index.php/econbank/article/view/215
Zainol, marvello yang; abullah al mamun; muhammad mohiuddin; noorshela che nawi; noor raihani. (2021). Cashless transactions: A study on intention and adoption of e-wallets. Sustainability (Switzerland), 13(2), 1–18. https://www.mdpi.com/2071-1050/13/2/831
Zao, H. J. Y. W. yuan; xia feng; xiahui jiang; yanchao li; liang. (2019). Latent Dirichlet allocation (LDA) and topic modeling: models, applications, a survey. Multimedia Tools and Applications, 78(11), 15169–15211. https://dl.acm.org/doi/10.1007/s11042-018-6894-4
Downloads
Published
Issue
Section
License
Copyright (c) 2023 PROFIT: JURNAL ADMINISTRASI BISNIS
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.
The copyright of the received article shall be assigned to the journal as the publisher of the journal. The intended copyright includes the right to publish the article in various forms (including reprints). The journal maintains the publishing rights to the published articles.
This work is licensed under a
Creative Commons Attribution-NonCommercial 4.0 International License