Currently only about 36 percent of the people who already have accounts in the bank and only 10 percent who make the adoption of non-cash transactions. Cash payment is still the main choice when there is a burden of cost, energy and time when transacting using cash. For business actors, there are many business potentials that can be developed through non-cash transactions. Among them, expanding coverage and increasing loyalty by providing the best experience for consumers. Non-cash transactions can also increase business productivity by enabling business actors to track all transactions more quickly. On the other hand, for the government, non-cash transactions will encourage economic efficiency. There will be cost savings ranging from printing and distribution costs of money, cash handling, to administrative management. Through the ease of non-cash transactions, the government can encourage both tax and non-tax revenues and all transactions can be recorded so as to be more transparent and accountable. Non-cash transactions are commonly used in the forms of the application provided by technology today, one of which is through 소액 결제 현금화.
The ideals of the government to realize the cashless society, need to be supported by business actors, not only banking, but also financial technology pioneer. The role of the pioneer company is not enough as a provider of financial service solutions, but must be accompanied by public education, especially those who are unbanked, to switch to non-cash transactions. However, building a payment service to support non-cash transactions is not easy. There are things to note in creating a new ecosystem in electronic payment systems, including security and infrastructure. The adoption of fast electronic payments should be coupled with guaranteed security so that users have no problem trusting either services or risks. Not infrequently for fear of missing the balance, people make top-up balances that do not fit the actual transaction needs. This should be a concern for the providers of electronic payment services, especially new pioneering technological pioneers.
Meanwhile, the easiness desired by consumers is also not supported by adequate infrastructure. Consumers are often rejected when using payments by debit or credit card. The size of the gap between card users and acceptance points is a barrier for consumers to switch to non-cash transactions.