Use of Cashless Payments in MSMEs in the Pall Beach Tourism Area, Marinsouw Village
DOI:
https://doi.org/10.38035/jafm.v5i5.1203Keywords:
cashless payment, Qris, village marines, touristAbstract
Study This aiming for analyze adoption cashless payment technology by MSMEs in the Village Marinsouw, a area ongoing tourism developing in North Sulawesi. With use method qualitative and approach studies case, research this involving interviews and observations direct with UMKM owners, stakeholders interests, as well as tourists who become user main cashless payment. Data analyzed in a way thematic use device soft Nvivo For identify theme key like adoption technology, challenges, and impact from implementation of cashless payments operational business and satisfaction customers. Research results show that factor main influencing factors level adoption are Usage Rate (UR) and type cashless services used, especially QRIS. Technological Barriers (TB), such as problem network, and Trust in the System (TS) is still become challenge significant , although support government (Government Support - GS) is proven help speed up adoption. Cashless payment is proven increasing Operational Efficiency (OE) and Increased Income (II) for MSMEs, while from perspective tourists, Ease of Use (EU) and Customer Satisfaction (CS) become factor booster main.
References
Afrizal, Y. H., Yahya, S. D., & Zakiyabarsi, F. (2023). Menelaah Adopsi Konsumen Pada Cashless Payment Pasca Pandemi Sebagai Upaya Menuju Cashless Society. In Jurnal Ilmiah Akuntansi Peradaban (Vol. 9, Issue 2, pp. 313–328). Universitas Islam Negeri Alauddin Makassar. https://doi.org/10.24252/jiap.v9i2.41293
Agosto, D. E. (2006). Toward a model of the everyday life information needs of Urban Teenagers, part 1?: Theoretical model. Journal of the American Society for Information Science and Technology, 57(10), 1394–1403. https://doi.org/10.1002/asi.20451
Barrio, F. (2011). Technical and Legal Concerns about Global Card Payments. In Cyberlaw for Global E-business. IGI Global. https://doi.org/10.4018/9781599048284.ch007
Chauhan, A. (2017). Cashless Economy: Opportunities and Challenges in India. In Ramanujan International Journal of Business and Research (Vol. 2, Issue 1, pp. 187–194). Ramanujan College. https://doi.org/10.51245/rijbr.v2i1.2017.124
Christianti, A. (2024). The Impact of Cashless Payment on Economic Growth in Indonesia. In Jurnal Aplikasi Bisnis dan Manajemen. Graduate Program of Management and Business, Bogor Agricultural University. https://doi.org/10.17358/jabm.10.1.151
Deslauriers, P. (2009). Innovation and how it can be used to differentiate between payments products. In Journal of Payments Strategy & Systems (Vol. 3, Issue 3, p. 228). Henry Stewart Publications. https://doi.org/10.69554/stpp3855
Dhakal, K. (2022). NVivo. In Journal of the Medical Library Association (Vol. 110, Issue 2, pp. 270–272). https://doi.org/10.5195/jmla.2022.1271
Fachrudin, K. A., & Silalahi, A. S. (2022). A Study of the Use of Cashless Payments in Relation to Income, Financial Behavior, and Almsgiving Behavior in Sumatera, Indonesia. In Advances in Social Science, Education and Humanities Research. Atlantis Press. https://doi.org/10.2991/assehr.k.220204.021
Hendro, B. K. (2021). Pengaruh Perceived Ease Of Use, Perceived Usefulness & Perceived Risk Terhadap Penggunaan Cashless. In Jurnal Paradigma Akuntansi (Vol. 3, Issue 1, p. 238). Universitas Tarumanagara. https://doi.org/10.24912/jpa.v3i1.11508
Hoover, R. S. (2011). Using NVivo to answer the challenges of qualitative research in professional communication: Benefits and best practices: Tutorial. IEEE Transactions on Professional Communication, 54(1), 68–82. https://doi.org/10.1109/TPC.2009.2036896
Jangan, A. (2023). HAVE CASHLESS PAYMENTS REDUCED THE INCIDENCE OF UPPER AERODIGESTIVE FOREIGN BODY INSERTION? A STUDY OF UK HOSPITAL EPISODE STATISTICS. Morressier. https://doi.org/10.26226/m.640b114b8f0efb001220f15c
John, N. J., Emmanuel, N. C., Ikechi, K. S., & Eke, C. K. (2020). Cashless Policy and the Nigerian Payment System. In INTERNATIONAL JOURNAL OF INNOVATION AND ECONOMIC DEVELOPMENT (Vol. 5, Issue 6, pp. 7–28). Inovatus Usluge d.o.o. https://doi.org/10.18775/ijied.1849-7551-7020.2015.56.2001
Kreling, B. (2006). A qualitative study of factors affecting chemotherapy use in older women with breast cancer: Barriers, promoters, and implications for intervention. Psycho-Oncology, 15(12), 1065–1076. https://doi.org/10.1002/pon.1042
Lavelle, F. (2016). Barriers and facilitators to cooking from ‘scratch’ using basic or raw ingredients: A qualitative interview study. Appetite, 107, 383–391. https://doi.org/10.1016/j.appet.2016.08.115
Limpiada, M. C., Ramos, R., Festijo, J. F., Rojo, J. J., Cruz, B. M. J. Dela, & Victorino, M. L. (2024). Cashless to classless: a case study of the role of technology and the state in E-payments at Lazada and Shopee in the Philippines. In Diversitas Journal (Vol. 9, Issue 3). Universidade Estadual de Alagoas. https://doi.org/10.48017/dj.v9i3.2871
Luan, D. X., Tran, N. Van, Quyet, T. Van, & Kingsbury, A. J. (2023). Banking for tourism in the digital age: Access to credit and cashless payments for community-based tourism household-owned businesses in Vietnam. In Tourism Management Perspectives (Vol. 48, p. 101144). Elsevier BV. https://doi.org/10.1016/j.tmp.2023.101144
Lukito, S., & Khairunnisa, K. (2022). Pengaruh Persepsi Kemudahan Dan Persepsi Keamanan Terhadap Cashless Society. In Jurnal Informasi Akuntansi (JIA) (Vol. 1, Issue 2). Universitas Katolik Musi Charitas. https://doi.org/10.32524/jia.v1i2.588
Muslikhati, M., & Aprilianto, F. (2022). The Impact of a Cashless Payment System on Inflation. In Jurnal Ekonomi Pembangunan (Vol. 21, Issue 2, pp. 124–136). Universitas Muhammadiyah Malang. https://doi.org/10.22219/jep.v21i02.20885
Passah, D. R. S., & Kumar, A. (2019). Cashless Economy and Digitalization of Tourism & Hospitality Practices in India. In SSRN Electronic Journal. Elsevier BV. https://doi.org/10.2139/ssrn.3308586
Pranata, S. P. (2024). Digital Literacy, Skills, and Security: Impact on Digital Leadership in Higher Education. Al-Tanzim: Jurnal Manajemen Pendidikan Islam, 8(3), 775–791.
Pranata, S. P., & Sinaga, A. (2023). Analysis of Brand Awareness and Brand Image Strategies on Lake Toba Tourists’ Interest through the F1H20 Power Boat Digital Marketing Strategy in Balige, North Tapanuli. Journal of Business Management and Economic Development, 1(02), 240–249.
Roelofs, C. (2011). A qualitative investigation of Hispanic construction worker perspectives on factors impacting worksite safety and risk. Environmental Health: A Global Access Science Source, 10(1). https://doi.org/10.1186/1476-069X-10-84
Salhan, G. S., Markan, R., Benedict, S. M., Verma, V., & Gupta, S. (2024). Cashless Payments; A Way to Achieve Sustainability Adopting Green Digital Economy. Elsevier BV. https://doi.org/10.2139/ssrn.4911461
Shy, O. (2019). Cashless Stores and Cash Users. In SSRN Electronic Journal. Elsevier BV. https://doi.org/10.2139/ssrn.3375690
Sodik, J., Handoko, T., & Sulistiyono, M. N. (2021). PENGARUH CASHLESS SOCIETY DAN STRATEGI ONLINE TO OFFLINE TERHADAP KEPUTUSAN KEMITRAAN DENGAN ONLINE FOOD DELIVERY SERVICE (STUDI KASUS PADA PENGUSAHA KULINER DI WILAYAH KOTA SURAKARTA)PENGARUH CASHLESS SOCIETY DAN STRATEGI ONLINE TO OFFLINE TERHADAP KEPUT. In JURNAL GANESHWARA (Vol. 1, Issue 2). Universitas Tunas Pembangunan. https://doi.org/10.36728/jg.v1i2.1573
The Cashless, Cardless Society. (2012). In The Future of Banking (pp. 107–116). Wiley. https://doi.org/10.1002/9781119208792.ch15
Vyshyvana, B., & Diakiv, Y. (2019). IMPACT OF INNOVATIVE TECHNOLOGIES ON THE DEVELOPMENT OF CASHLESS PAYMENTS IN UKRAINE. In Visnyk of the Lviv University. Series Economics (Issue 57, pp. 91–103). Ivan Franko National University of Lviv. https://doi.org/10.30970/ves.2019.57.0.4011
Wong, L. (2008). Data analysis in qualitative research: A brief guide to using NVIVO. In Malaysian Family Physician (Vol. 3, Issue 1, pp. 14–20). https://www.scopus.com/inward/record.uri?partnerID=HzOxMe3b&scp=45149109422&origin=inward
Zamawe, F. C. (2015). The implication of using NVivo software in qualitative data analysis: Evidence-based reflections. Malawi Medical Journal, 27(1), 13–15. https://doi.org/10.4314/mmj.v27i1.4
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2024 Kristi Karla Arina, Elsje Hanna Lintong, Jeifer Juandy Livingstone Rompas, Sammy Rommy Novie Korua, Pingkan Aprilia Maramis, Virginia Maria Christianto, Jennifer Cindy Wangko
This work is licensed under a Creative Commons Attribution 4.0 International License.
Authors who publish their manuscripts in this journal agree to the following conditions:
- The copyright on each article belongs to the author(s).
- The author acknowledges that the Journal of Accounting and Finance Management (JAFM) has the right to be the first to publish with a Creative Commons Attribution 4.0 International license (Attribution 4.0 International (CC BY 4.0).
- Authors can submit articles separately, arrange for the non-exclusive distribution of manuscripts that have been published in this journal into other versions (e.g., sent to the author's institutional repository, publication into books, etc.), by acknowledging that the manuscript has been published for the first time in the Journal of Accounting and Finance Management (JAFM).
