{"id":"https://openalex.org/W7218157724","doi":null,"title":"Efektivitas Pembayaran Digital: Keunggulan, Tantangan, dan Solusi","display_name":"Efektivitas Pembayaran Digital: Keunggulan, Tantangan, dan Solusi","publication_year":2024,"publication_date":"2024-12-16","ids":{"openalex":"https://openalex.org/W7218157724"},"language":"en","primary_location":{"id":"pmh:oai:ojs2.jurnal.ittc.web.id:article/1939","doi":null,"is_oa":true,"landing_page_url":"https://jurnal.ittc.web.id/index.php/jebd/article/view/1939","pdf_url":"https://jurnal.ittc.web.id/index.php/jebd/article/download/1939/1745","source":{"id":"https://openalex.org/S5407044345","display_name":"Jurnal Ekonomi dan Bisnis Digital","issn_l":"3025-6429","issn":["3025-6429"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"10.62379/jebd.v2i2","raw_type":"info:eu-repo/semantics/article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":[],"open_access":{"is_oa":true,"oa_status":"diamond","oa_url":"https://jurnal.ittc.web.id/index.php/jebd/article/download/1939/1745","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5155623414","display_name":"Via Fahma Azka","orcid":null,"observed_orcids":[]},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"Fahma Azka, Via","raw_affiliation_strings":[],"raw_orcid":null,"affiliations":[]},{"author_position":"middle","author":{"id":"https://openalex.org/A5154400377","display_name":"Talitha Azhari","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I4405253599","display_name":"Universitas Islam Negeri Sultan Maulana Hasanuddin Banten","ror":"https://ror.org/00vzpka39","country_code":"ID","type":"education","lineage":["https://openalex.org/I4405253599"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Talitha Azhari","raw_affiliation_strings":["Fakultas Ekonomi Dan Bisnis Islam, Universitas Islam Negeri Sultan Maulana Hassanuddin Banten"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Fakultas Ekonomi Dan Bisnis Islam, Universitas Islam Negeri Sultan Maulana Hassanuddin Banten","institution_ids":["https://openalex.org/I4405253599"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5154360814","display_name":"Ainul Sufarhan","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I4405253599","display_name":"Universitas Islam Negeri Sultan Maulana Hasanuddin Banten","ror":"https://ror.org/00vzpka39","country_code":"ID","type":"education","lineage":["https://openalex.org/I4405253599"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Ainul Sufarhan","raw_affiliation_strings":["Fakultas Ekonomi Dan Bisnis Islam, Universitas Islam Negeri Sultan Maulana Hassanuddin Banten"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Fakultas Ekonomi Dan Bisnis Islam, Universitas Islam Negeri Sultan Maulana Hassanuddin Banten","institution_ids":["https://openalex.org/I4405253599"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5032829994","display_name":"Aan Ansori","orcid":"https://orcid.org/0000-0001-8878-2956","observed_orcids":["https://orcid.org/0000-0001-8878-2956"]},"institutions":[{"id":"https://openalex.org/I4405253599","display_name":"Universitas Islam Negeri Sultan Maulana Hasanuddin Banten","ror":"https://ror.org/00vzpka39","country_code":"ID","type":"education","lineage":["https://openalex.org/I4405253599"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Aan Ansori","raw_affiliation_strings":["Fakultas Ekonomi Dan Bisnis Islam, Universitas Islam Negeri Sultan Maulana Hassanuddin Banten,"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Fakultas Ekonomi Dan Bisnis Islam, Universitas Islam Negeri Sultan Maulana Hassanuddin Banten,","institution_ids":["https://openalex.org/I4405253599"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":0.0,"has_fulltext":true,"cited_by_count":0,"citation_normalized_percentile":{"value":0.55524695,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":null,"biblio":{"volume":null,"issue":null,"first_page":null,"last_page":null},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T13346","display_name":"Digital Transformation in Financial Services","score":0.5961999893188477,"subfield":{"id":"https://openalex.org/subfields/2000","display_name":"General Economics, Econometrics and Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T13346","display_name":"Digital Transformation in Financial Services","score":0.5961999893188477,"subfield":{"id":"https://openalex.org/subfields/2000","display_name":"General Economics, Econometrics and Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T14416","display_name":"Health, Technology, Consumer Behavior","score":0.17399999499320984,"subfield":{"id":"https://openalex.org/subfields/3605","display_name":"Health Information Management"},"field":{"id":"https://openalex.org/fields/36","display_name":"Health Professions"},"domain":{"id":"https://openalex.org/domains/4","display_name":"Health Sciences"}},{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.1340000033378601,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/electronic-payments","display_name":"digital payments","score":0.9940000176429749},{"id":"https://openalex.org/keywords/digital-transformation","display_name":"digital transformation","score":0.7319999933242798},{"id":"https://openalex.org/keywords/cashless-payments","display_name":"cashless payments","score":0.7429999709129333},{"id":"https://openalex.org/keywords/internet-access","display_name":"internet access","score":0.621999979019165},{"id":"https://openalex.org/keywords/digital-literacy","display_name":"digital literacy","score":0.8149999976158142},{"id":"https://openalex.org/keywords/payment-security","display_name":"payment security","score":0.6539999842643738},{"id":"https://openalex.org/keywords/digital-economy","display_name":"digital economy","score":0.8069999814033508},{"id":"https://openalex.org/keywords/indonesia","display_name":"Indonesia","score":0.43299999833106995}],"concepts":[{"id":"https://openalex.org/C145097563","wikidata":"https://www.wikidata.org/wiki/Q1148747","display_name":"Payment","level":2,"score":0.7659000158309937},{"id":"https://openalex.org/C29122968","wikidata":"https://www.wikidata.org/wiki/Q1414816","display_name":"Incentive","level":2,"score":0.585099995136261},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.4648999869823456},{"id":"https://openalex.org/C110875604","wikidata":"https://www.wikidata.org/wiki/Q75","display_name":"The Internet","level":2,"score":0.4562999904155731},{"id":"https://openalex.org/C38652104","wikidata":"https://www.wikidata.org/wiki/Q3510521","display_name":"Computer security","level":1,"score":0.38670000433921814},{"id":"https://openalex.org/C190248442","wikidata":"https://www.wikidata.org/wiki/Q839486","display_name":"Qualitative research","level":2,"score":0.35109999775886536},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.3359000086784363},{"id":"https://openalex.org/C2776983043","wikidata":"https://www.wikidata.org/wiki/Q986008","display_name":"Payment system","level":3,"score":0.30970001220703125},{"id":"https://openalex.org/C108827166","wikidata":"https://www.wikidata.org/wiki/Q175975","display_name":"Internet privacy","level":1,"score":0.2978000044822693},{"id":"https://openalex.org/C203043789","wikidata":"https://www.wikidata.org/wiki/Q138461","display_name":"Digital economy","level":2,"score":0.29580000042915344},{"id":"https://openalex.org/C121017731","wikidata":"https://www.wikidata.org/wiki/Q11661","display_name":"Information technology","level":2,"score":0.2815000116825104},{"id":"https://openalex.org/C2778132726","wikidata":"https://www.wikidata.org/wiki/Q1096872","display_name":"Digital Revolution","level":2,"score":0.275299996137619},{"id":"https://openalex.org/C2983515908","wikidata":"https://www.wikidata.org/wiki/Q42240","display_name":"Research method","level":2,"score":0.27480000257492065},{"id":"https://openalex.org/C21547014","wikidata":"https://www.wikidata.org/wiki/Q1423657","display_name":"Operations management","level":1,"score":0.27300000190734863},{"id":"https://openalex.org/C127413603","wikidata":"https://www.wikidata.org/wiki/Q11023","display_name":"Engineering","level":0,"score":0.2669999897480011},{"id":"https://openalex.org/C3018587665","wikidata":"https://www.wikidata.org/wiki/Q7268696","display_name":"Qualitative analysis","level":3,"score":0.26570001244544983},{"id":"https://openalex.org/C133462117","wikidata":"https://www.wikidata.org/wiki/Q4929239","display_name":"Data collection","level":2,"score":0.2563999891281128},{"id":"https://openalex.org/C109986646","wikidata":"https://www.wikidata.org/wiki/Q546113","display_name":"Public policy","level":2,"score":0.25270000100135803}],"mesh":[],"locations_count":1,"locations":[{"id":"pmh:oai:ojs2.jurnal.ittc.web.id:article/1939","doi":null,"is_oa":true,"landing_page_url":"https://jurnal.ittc.web.id/index.php/jebd/article/view/1939","pdf_url":"https://jurnal.ittc.web.id/index.php/jebd/article/download/1939/1745","source":{"id":"https://openalex.org/S5407044345","display_name":"Jurnal Ekonomi dan Bisnis Digital","issn_l":"3025-6429","issn":["3025-6429"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"10.62379/jebd.v2i2","raw_type":"info:eu-repo/semantics/article"}],"best_oa_location":{"id":"pmh:oai:ojs2.jurnal.ittc.web.id:article/1939","doi":null,"is_oa":true,"landing_page_url":"https://jurnal.ittc.web.id/index.php/jebd/article/view/1939","pdf_url":"https://jurnal.ittc.web.id/index.php/jebd/article/download/1939/1745","source":{"id":"https://openalex.org/S5407044345","display_name":"Jurnal Ekonomi dan Bisnis Digital","issn_l":"3025-6429","issn":["3025-6429"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"10.62379/jebd.v2i2","raw_type":"info:eu-repo/semantics/article"},"sustainable_development_goals":[{"id":"https://metadata.un.org/sdg/9","score":0.7207000255584717,"display_name":"Industry, innovation and infrastructure"}],"study_designs":[],"awards":[],"funders":[],"has_content":{"pdf":true,"grobid_xml":true},"content_urls":{"pdf":"https://content.openalex.org/works/W7218157724.pdf","grobid_xml":"https://content.openalex.org/works/W7218157724.grobid-xml"},"referenced_works_count":12,"referenced_works":["https://openalex.org/W2999313867","https://openalex.org/W3127776403","https://openalex.org/W4286305227","https://openalex.org/W4312198473","https://openalex.org/W4389144559","https://openalex.org/W4391763997","https://openalex.org/W4392608385","https://openalex.org/W4393411473","https://openalex.org/W4401969858","https://openalex.org/W4402143616","https://openalex.org/W4402784935","https://openalex.org/W4403581601"],"related_works":["https://openalex.org/W4413232453","https://openalex.org/W7083198465","https://openalex.org/W4408835816","https://openalex.org/W7215928959","https://openalex.org/W7116674295","https://openalex.org/W7117237164","https://openalex.org/W7220588989","https://openalex.org/W4389569572","https://openalex.org/W4404600791","https://openalex.org/W6963729482"],"abstract_inverted_index":{"Digital":[0],"payments":[1,80],"have":[2],"become":[3],"one":[4],"of":[5,12,32,74,110,112,152],"the":[6,10,30,75,94,137,145,150,153],"important":[7],"elements":[8],"in":[9,105,148,156],"era":[11],"digital":[13,33,79,140,154],"transformation,":[14],"providing":[15],"various":[16,122],"benefits":[17],"such":[18,83,99],"as":[19,84,100],"convenience,":[20],"efficiency,":[21],"and":[22,40,68,88,92,108,132],"high":[23],"security.":[24,135],"This":[25,118],"study":[26,57,76,119],"aims":[27],"to":[28],"evaluate":[29],"effectiveness":[31],"payment":[34,141],"systems":[35,142],"by":[36],"identifying":[37],"advantages,":[38],"challenges,":[39],"solutions":[41],"that":[42,78],"can":[43,143],"be":[44,144],"applied.":[45],"The":[46,72],"research":[47],"method":[48],"uses":[49],"a":[50,55],"descriptive":[51],"qualitative":[52],"approach":[53],"with":[54],"literature":[56],"design,":[58],"relying":[59],"on":[60],"secondary":[61],"data":[62],"from":[63],"journal":[64],"articles,":[65],"official":[66],"reports,":[67],"other":[69],"trusted":[70],"sources.":[71],"results":[73],"show":[77],"offer":[81],"advantages":[82],"easier,":[85],"safer,":[86],"faster,":[87],"more":[89],"flexible":[90],"transactions,":[91],"support":[93],"non-cash":[95],"movement.":[96],"However,":[97],"challenges":[98],"limited":[101],"internet":[102],"access,":[103],"inequality":[104],"smartphone":[106],"ownership,":[107],"lack":[109],"understanding":[111],"technology":[113],"are":[114],"still":[115],"major":[116],"obstacles.":[117],"also":[120],"provides":[121],"recommendations,":[123],"including":[124],"public":[125],"education,":[126],"infrastructure":[127],"development,":[128],"incentives":[129],"for":[130],"merchants,":[131],"improving":[133],"system":[134],"With":[136],"right":[138],"strategy,":[139],"main":[146],"solution":[147],"supporting":[149],"growth":[151],"economy":[155],"Indonesia.":[157]},"counts_by_year":[],"updated_date":"2026-11-07T11:25:07.637180","created_date":"2026-10-03T00:00:00"}
