Analysis of the Relationship Between Non-Cash Payment and Output in Indonesia

Raissa, Salsabila (2022) Analysis of the Relationship Between Non-Cash Payment and Output in Indonesia. Diploma thesis, Universitas Andalas.

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Abstract

The rapid development of science and technology impacts all sectors of the economy, which causes changes in the payment system and how people view transactions. In the current era of digitization, any technologically oriented economic activities can make it easier for the community to trade, raising consumption and, ultimately, increasing output. The purpose of this study is to analyze of the relationship between non-cash payments and output (GDP) in Indonesia for the period 2010-2021, and the variables used in this study are the number of transactions from credit cards, ATM/debit cards, electronic money, and gross domestic products. This study uses Vector Error Correction Model (VECM) analysis using quarterly time series data. The results of this study indicate that the use of non-cash payment instruments in the community, which includes APMK (credit card and ATM/debit card) and e-money, has a positive impact on increasing GDP both in the long and short term. Utilizing this instrument can positively impact transactional efficiency, community consumption, and productivity, all of which can lead to a rise in GDP.

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