Bank vs telecommunication E-Wallet : System analysis, purchase, and payment method of GO-mobile CIMB Niaga and T-Cash Telkomsel

摘要

Current developing technology in finance is e-wallet. E-wallet is a program or service which allows its user to save digital money and doing transactions easily whenever and wherever. Many banks and nonbank companies are competing to create innovation in this field. Go Mobile is an e-wallet product of CIMB Niaga, meanwhile, T-Cash is an e-wallet issued by a telecommunication company, PT Telkomsel. This research aimed to analyze the system, purchase and payment methods in Go Mobile and T-Cash. This research was done in qualitative design, used secondary data sourced from official websites of both companies as well as related researches. The result showed that Go Mobile and T-Cash's systems could ease the user's transaction. Go Mobile and T-Cash could be used in purchase and payment transaction through SMS as well as Android-based Smartphone application. In T-Cash, users who do not own an Android Smartphone could enjoy this service by attaching Near Field Communication (NFC) sticker on their phone. This is called T-Cash Tap. Based on the usage and ease of use, T-Cash as a telecommunication e-wallet had received highest acceptance in a society based on Technology Acceptance Model (TAM).