Pengaruh Sistem Pembayaran Non Tunai (M-Banking) terhadap Tingkat Pertumbuhan Ekonomi Indonesia

Lala Atika Sari; Ario Khasbiyal Ghofur Pranoto; Desti Yuni Aresta

doi:10.5281/zenodo.8246501

Lala Atika Sari Universitas Sultan Ageng Tirtayasa
Ario Khasbiyal Ghofur Pranoto Universitas Sultan Ageng Tirtayasa
Desti Yuni Aresta Universitas Sultan Ageng Tirtayasa

DOI: https://doi.org/10.5281/zenodo.8246501

Abstract

This journal was created to analyze whether there is an effect of electronic money transactions, per capita income levels, and inflation on economic growth in Indonesia. The development system in the financial sector has transformed from cash payments to cashless payments. Initially, it was only limited to bank transfers through tellers. Then it developed through Automated Teller Machines (ATMs). Furthermore, with the increasing mobility of customers/community, banking devices are required to create products that have higher mobility, creating M-Banking (Mobile Banking), E-Banking (Electronic/Internet Banking), SMS Banking, and so on. This research is a quantitative research, the data is processed using Multiple Regression Analysis. The results of the study show that partially per capita income and inflation do not have a significant effect on economic growth but Electronic Money Transactions have a significant effect on economic growth. Simultaneously Per Capita Income, Inflation Rate, and Electronic Money Transactions have no significant effect simultaneously on the Economic Growth variable.

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