Exploration of Decisions to Use Cash Management System Transactions for Millennial Customers

Authors

  • I Nyoman Setia DHARMA University of Pendidikan Nasional, Indonesia
  • Ida Ayu Oka MARTINI University of Pendidikan Nasional, Indonesia

Keywords:

Cash Management System, BNI, Electronic Money

Abstract

According to a new study, the number of electronic money users in Indonesia will reach 772 million by November 2023. The study states that electronic money is increasingly popular in Indonesia because of its convenience and practicality. The author says technology has brought significant changes to the financial sector. The data analysis technique used is qualitative analysis. Millennial customers think the BNI Direct Cash Management System is essential for business development. Payments have become easier with the BNI Direct Cash Management System, which is helpful for business owners and millennial customers. Applying the BNI Direct Cash Management System in payment systems in several research sectors can help with sound financial management as well as time and cost efficiency. Using the BNI Direct Cash Management System, this income optimization can occur because using the BNI Direct Cash Management System, both owners and the financial department of business actors can provide effective and efficient services with more comprehensive marketing access and obtain convenience in transactions, ease of transactions and speed of transactions, to increase people's purchasing power. This aligns with the expectations of people who want convenience in transactions, ease of transactions, and speed.

References

Adnyasuari, P. A. S., & Sri Darma, G. (2017). Jurnal Manajemen dan Bisnis Technology Acceptance Model and E-Satisfaction in Mobile Banking. 14(2), 1–3.

Anindita, G., & Santoso, F. I. (2022). Implementasi Cash Management System (CMS) dalam belanja daerah di Dinas Perindustrian dan Perdagangan Kabupaten Sleman. … of National Conference on Accounting & …. https://journal.uii.ac.id/NCAF/article/view/22316

Annisa, T. O., Fahimah, F., & ... (2022). Implementation of Cash Management System for Financial Management at the Institut Teknologi Sepuluh Nopember. … of Management. https://enrichment.iocspublisher.org/index.php/enrichment/article/view/884

Davis, F. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly: Management Information Systems, 13(3), 319–339. https://doi.org/10.2307/249008

Davis, F. D. (1986). A technology acceptance model for empirically testing new end-user information systems: Theory and results [Sloan School of Management]. In Massachusetts Institute of Technology. https://doi.org/oclc/56932490

Fitra, R. R. (2019). Pengaruh Perceived Usefulness, Perceived Ease of Use, M-Payment Experience Dan Perceived Enjoyment Terhadap Penerimaan Penggunaan Teknologi Pembayaran Ovo Pada Grab Dengan Metode TAM (Studi Pada Pengguna Aplikasi GRAB di Yogyakarta). Universitas Muhammadiyah Yogyakarta, 1–25.

Hasnawati, E. P. (2018). Pengaruh Fitur Layanan, Promosi, Kualitas Layanan, Dan Karakteristik Individu Terhadap Loyalitas Nasabah Bank Central Asia Kantor Cabang Utama Kediri Dalam Bertransaksi Melalui Internet Banking. In Artikel Skripsi Universitas Nusantara PGRI Kediri.

https://www.kompasiana.com/wiwitwijayantiii1450/62ab28bbbb44864d687f66c2/penggunaan-e-money-oleh-kaum-milenial, 16 Juni 2022)

https://www.ocbc.id/id/article/2021/09/16/sejarah-uang,dikutip tanggal 14 November 2023)

https://databoks.katadata.co.id/datapublish/2023/02/17/uang-elektronik-yang-beredar-tembus-772-juta-unit-pada-november-2022

Indrasari, M. (2019). Pemasaran dan Kepuasan Pelanggan. Surabaya: Unitomo Press.

Jumba, J., & Wepukhulu, J. M. (2019). Effect of cashless payments on the financial Performance of supermarkets in Nairobi County, Kenya. International Journal of Academic …. https://knowledgewords.com/images/Effect_of_Cashless_Payments_on_the_Financial_Performance_of_Supermarkets_in_Nairobi_County2.pdf

Kotler, P., & Keller, K. (2016). Marketing Management (13th ed.). Erlangga, Indonesia.

Lawalata, I. L. D. (2019). ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI NASABAH MENGGUNAKAN TRANSAKSI NON TUNAI (ATM) PADA PT. BANK MANDIRI CABANG UNHAS. AkMen JURNAL ILMIAH. http://e-jurnal.nobel.ac.id/index.php/akmen/article/view/613

Lintangsari, N. N., Hidayati, N., Purnamasari, Y., Carolina, H., & Febranto, W. (2018). Analisis pengaruh instrumen pembayaran non- tunai terhadap stabilitas sistem keuangan di indonesia. Jurnal Dinamika Ekonomi Pembangunan, 1(1), 47–62. https://doi.org/10.14710/jdep.1.1.47-62

Murdifin, I. (2020). Pengaruh Kualitas Pelayanan Terhadap Kepuasan Nasabah Pada PT. Bank Danamon Cabang Makassar. Celebes Equilibrum Journal, 1(April), 23–33.

Nguyen, H. P. (2020). Core orientations for 4.0 technology application on the development strategy of intelligent transportation system in Vietnam. International Journal on Advanced Science, Engineering and Information Technology, 10(2), 520–528. https://doi.org/10.18517/ijaseit.10.2.11129

Nurhidayati, M., & Cahyani, N. K. (2021). Faktor Yang Mempengaruhi Kepuasan dan Loyalitas Pengguna E-Channel pada Nasabah BSI KCP Ponorogo. Etihad: Journal of Islamic Banking and Finance, 1(2), 146–157. https://doi.org/10.21154/etihad.v1i2.3527

Phonthanukitithaworn, C., Sellitto, C., & Fong, M. W. L. (2016). An investigation of mobile payment (m-payment) services in Thailand. Asia-Pacific Journal of Business Administration, 8(1), 37–54. https://doi.org/10.1108/APJBA-10-2014-0119

Prastiawan, D. I., Aisjah, S., & Rofiaty, R. (2021). The Effect of Perceived Usefulness, Perceived Ease of Use, and Social Influence on the Use of Mobile Banking through the Mediation of Attitude Toward Use. Asia Pacific Management and Business Application, 009(03), 243–260. https://doi.org/10.21776/ub.apmba.2021.009.03.4

Putra, K. A. G. K., & Seminari, N. K. (2020). Kualitas Produk, Kualitas Layanan, Dan Kewajaran Harga Berpengaruh Terhadap Kepuasan Pelanggan the Old Champ Cafe. E-Jurnal Manajemen Universitas Udayana, 9(10), 3423. https://doi.org/10.24843/ejmunud.2020.v09.i10.p01

Putri Dwi Astuti, Julius Nursyamsi, Haryono, & Joko Utomo. (2022). Analisis Pengaruh Persepsi Kemudahan Penggunaan, Persepsi Manfaat Dan Promosi Penjualan Terhadap Loyalitas Pelanggan Melalui Kepuasan Pelanggan. Jurnal Akuntansi Dan Manajemen Bisnis, 2(1), 68–77. https://doi.org/10.56127/jaman.v2i1.199

Rahmadhania, G., & Sari, K. (2018). Pengaruh Persepsi Manfaat Dan Persepsi Kemudahan Terhadap Loyalitas Melalui Kepuasan Konsumen Pada Pengguna Financial Technology Ovo. Manajemen Universitas Gunadarma, 1(2), 1–16.

Rakhmat Romadhan, M., Indriastuty, I., & C. Prihandoyo. (2019). E-Service Quality Kepuasan Konsumen Melalui E-Commerce Terhadap Loyalitas Konsumen. Jurnal GeoEkonomi, 10(2), 150–163. https://doi.org/10.36277/geoekonomi.v10i2.90

Rukmana, R. D. (2016). Dampak Perkembangan Pembayaran Non Tunai Terhadap Pertumbuhan Ekonomi Indonesia. Jurnal Ilmiah Fakultas Ekonomi Dan Bisnis Universitas Brawijaya, 16.

Sari, I. (2020). Analisis Penerapan Cash Management System Dalam Pengelolaan Keuangan Daerah Di Pik Pulogadung. Perspektif: Jurnal Ekonomi Dan Manajemen Akademi …. https://ejournal.bsi.ac.id/ejurnal/index.php/perspektif/article/view/6699

Sari, R. R., Marnisah, L., & Zamzam, F. (2021). Pengaruh Kualitas Pelayanan , Kualitas Produk Dan Citra Bank Terhadap Kepuasan Nasabah Era Covid 19 ( Studi Kasus Di Pt . Bank Mandiri Kantor Cabang Palembang). Integritas Jurnal Manajemen Profesional (IJMPro), 2(2), 201–210.

Siregar, S. (2021). Pengaruh Promosi dan Kepuasan Pelanggan Terhadap Loyalitas Pelanggan (Studi pada Unit Mikro Bank Syariah Mandiri Medan Pulo Brayan). Jurnal Humaniora, 5(1), 130–141.

Sugiyono. (2018). Metode Penelitian Kuantitatif. Alfabeta, Bandung.

Susilawati, S., & Putri, D. Z. (2019). Analisis Pengaruh Transaksi Non Tunai Dan Suku Bunga Bi Terhadap Pertumbuhan Ekonomi Di Indonesia. Jurnal Kajian Ekonomi Dan …. https://ejournal.unp.ac.id/students/index.php/epb/article/view/6294

Tjiptono, F. (2019). Pemasaran jasa. Yogyakarta?: BPFE.

Wibowo, S. F., Rosmauli, D., & Suhud, U. (2015). Pengaruh Persepsi Manfaat, Persepsi Kemudahan, Fitur Layanan, Dan Kepercayaan Terhadap Minat Menggunakan E-Money Card (Studi Pada Pengguna Jasa Commuterline Di Jakarta). JRMSI - Jurnal Riset Manajemen Sains Indonesia, 6(1), 440. https://doi.org/10.21009/jrmsi.006.1.06

Downloads

Published

2024-04-17