ACCEPTATION OF COMMUNITIES TOWARD USING OF EDC MACHINE (ELECTRONIC DATA CAPTURE) IN THE MANIS MARKET OF PURWOKERTO

Abstract

The development of the Card-Based Payment Card (APMK) in Banyumas Regency especially Purwokerto is still very limited in the use of ATM cards, credit cards and debit cards. The results of a survey conducted by Bank Indonesia, show that 92 percent of people are still more dominant using cash in everyday transactions. This is caused by several things, including: lack of education, socialization and availability of infrastructure that is able to reach the whole community. In addition, public perception does not require non-cash payments (electronic money) and a large number of people are not interested in using this facility, due to limited knowledge about the product and how to use it. In the Manis market, Banyumas Regency has begun implementing this non-cash payment instrument, with an EDC machine in every kiosk in Pasar Manis. The problem is with the availability of EDC machines in Pasar Manis, whether people who visit and shop at Manis markets use non-cash payment instruments by using existing EDC machines or not. This is done in the context of efforts to encourage the use of non-cash instruments that lead to cashless society. There are several challenges that still need to be further studied through in-depth research. In this case, what factors are related to community interest in using non-cash payment instruments in traditional markets, especially Pasar Manis in Banyumas Regency. This research is expected to be used as material for consideration and input for Bank Indonesia in the framework of designing a grand design to increase the use of non-cash payment systems in Banyumas Regency.