Pengaruh Teknologi Keuangan terhadap Uang Kartal di Indonesia (Studi Kasus Teknologi Sistem Pembayaran)

Abstract

This study examines the effect of ATM card, credit card, mobile banking, and electronic money on cash holding in Indonesia. The type of research used is quantitative methods. The data source used in this study is from www.bi.go.id and www.bps.go.id over the period first quarter in 2013- fourth quarter in 2022 and the data analysis technique that used is Autoregressive Distributed Lag (ARDL). The results show that ATM card variable has no effect on cash holding in Indonesia in the short term, whereas ATM card has a positive and significant in the long term. Credit card variable has a negative effect and significant on cash holding in Indonesia in the short time, whereas credit card has no effect in the long term. Mobile banking variable has a negative effect and significant on cash holding in Indonesia in the short time, whereas credit card has no effect in the long term. And electronic money variable has a negative effect and significant o cash holding in Indonesia in the short time, whereas electronic money no effect in the long term.