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Oct 13, 2025 by miodeya.com 20 views

Analysis of the Factors that Influence Community Preferences and Accessibility in the Use of Non-Cash Payments in Pematangsiantar City

Introduction

The use of non-cash payments has become increasingly popular in recent years, especially with the rise of digital payment applications and the COVID-19 pandemic. However, the adoption of non-cash payments is not uniform across different communities, and various factors can influence an individual's preference for using non-cash payments. This study aims to identify and analyze the factors that influence the preferences and accessibility of the community in the use of non-cash payment cards in Pematangsiantar City.

Research Methodology

This study employed a field research method, where questionnaires were distributed to 96 respondents who are Pematangsiantar residents who use non-cash payment methods. The data collected were analyzed using descriptive analysis, where the data obtained were presented in the form of frequency and table. To facilitate data processing, the author used the SPSS Statistics 22 IBM SPSS Statistics software, which is famous for analyzing statistical data more efficiently and accurately.

Research Results

The results of this study showed that the most significant factor affecting the preferences of the Pematangsiantar City community in the use of non-cash payments is the benefits obtained from the payment system. These benefits can vary, ranging from ease of transactions, security, to time efficiency. People who feel the benefits of using non-cash payment cards tend to have a higher preference to continue to use it.

On the other hand, in terms of accessibility, technology is the main factor that affects the use of non-cash payment systems. Technological advances that allow people to access and use various digital payment applications are very important. The existence of adequate infrastructure, such as fast and stable internet networks, also contributes to the level of use of non-cash payments in the community.

Additional Analysis

In the context of the times, the use of non-cash payments has become an inseparable part of everyday life. With the COVID-19 pandemic, a shift towards non-cash payments is increasingly strengthened, because many people avoid physical transactions to minimize the risk of transmission. Therefore, an understanding of the factors that influence preferences and accessibility is very important for decision makers, especially in an effort to improve the non-cash payment system in the area.

One aspect that also needs to be considered is public education related to the use of payment technology. Although technology exists, if the community does not have enough understanding of how to use and its benefits, accessibility will not be achieved. Therefore, good socialization efforts from the government and payment service providers are very important to increase public awareness and knowledge.

The Role of Technology in Non-Cash Payments

Technology plays a crucial role in the use of non-cash payments. The existence of digital payment applications, such as mobile wallets and online banking, has made it easier for people to access and use non-cash payment systems. Additionally, the development of contactless payment systems, such as tap-and-go payments, has further increased the convenience of non-cash payments.

However, the effectiveness of technology in non-cash payments depends on various factors, including the availability of infrastructure, such as fast and stable internet networks, and the level of public awareness and knowledge about the use of payment technology. Therefore, it is essential to invest in education and training programs to ensure that the community has the necessary skills and knowledge to use non-cash payment systems effectively.

The Importance of Public Education

Public education is a critical factor in the adoption of non-cash payments. Although technology exists, if the community does not have enough understanding of how to use and its benefits, accessibility will not be achieved. Therefore, good socialization efforts from the government and payment service providers are very important to increase public awareness and knowledge.

Public education can take various forms, including workshops, training programs, and awareness campaigns. These efforts can help to increase public awareness and knowledge about the use of non-cash payment systems, including the benefits and risks associated with their use.

Conclusion

From this study, it can be concluded that the benefits felt from the non-cash payment system and ease of access through technology are two key factors that affect the preferences of the people of Pematangsiantar City. With a better understanding of these factors, it is hoped that policies that support and increase the use of non-cash payment systems in the future.

Recommendations

Based on the findings of this study, the following recommendations are made:

Invest in public education: Public education is a critical factor in the adoption of non-cash payments. Therefore, it is essential to invest in education and training programs to ensure that the community has the necessary skills and knowledge to use non-cash payment systems effectively.
Improve infrastructure: The existence of adequate infrastructure, such as fast and stable internet networks, is essential for the effective use of non-cash payment systems. Therefore, it is essential to invest in infrastructure development to support the growth of non-cash payments.
Develop policies that support non-cash payments: Policies that support and increase the use of non-cash payment systems are essential for the growth of non-cash payments. Therefore, it is essential to develop policies that promote the use of non-cash payments, including tax incentives and regulatory support.

By implementing these recommendations, it is hoped that the use of non-cash payments in Pematangsiantar City will increase, and the community will benefit from the convenience, security, and efficiency of non-cash payments.
Frequently Asked Questions (FAQs) about Non-Cash Payments in Pematangsiantar City

Q: What are non-cash payments?

A: Non-cash payments refer to transactions that do not involve the physical exchange of cash, such as online banking, mobile payments, and credit card transactions.

Q: Why are non-cash payments becoming increasingly popular?

A: Non-cash payments are becoming increasingly popular due to their convenience, security, and efficiency. They allow individuals to make transactions from anywhere, at any time, without the need to carry cash.

Q: What are the benefits of using non-cash payments?

A: The benefits of using non-cash payments include:

Convenience: Non-cash payments can be made from anywhere, at any time, without the need to carry cash.
Security: Non-cash payments are more secure than cash transactions, as they cannot be lost or stolen.
Efficiency: Non-cash payments are faster and more efficient than cash transactions.
Reduced risk of fraud: Non-cash payments are less susceptible to fraud and counterfeiting.

Q: What are the factors that influence the adoption of non-cash payments?

A: The factors that influence the adoption of non-cash payments include:

Benefits: The benefits of using non-cash payments, such as convenience, security, and efficiency.
Ease of access: The ease of access to non-cash payment systems, such as online banking and mobile payments.
Public awareness and knowledge: The level of public awareness and knowledge about the use of non-cash payment systems.
Infrastructure: The availability of infrastructure, such as fast and stable internet networks.

Q: What is the role of technology in non-cash payments?

A: Technology plays a crucial role in non-cash payments, as it enables the development of digital payment applications, such as mobile wallets and online banking. Technology also enables the development of contactless payment systems, such as tap-and-go payments.

Q: What is the importance of public education in non-cash payments?

A: Public education is critical in non-cash payments, as it increases public awareness and knowledge about the use of non-cash payment systems. Public education can take various forms, including workshops, training programs, and awareness campaigns.

Q: What are the recommendations for increasing the adoption of non-cash payments in Pematangsiantar City?

A: The recommendations for increasing the adoption of non-cash payments in Pematangsiantar City include:

Investing in public education to increase public awareness and knowledge about the use of non-cash payment systems.
Improving infrastructure, such as fast and stable internet networks, to support the growth of non-cash payments.
Developing policies that support and increase the use of non-cash payment systems, such as tax incentives and regulatory support.

Q: What are the potential challenges and limitations of non-cash payments?

A: The potential challenges and limitations of non-cash payments include:

Technical issues, such as connectivity problems and system downtime.
Security risks, such as hacking and data breaches.
Limited access to non-cash payment systems, particularly in rural areas.
Dependence on technology, which can be vulnerable to technical issues and security risks.

Q: How can individuals protect themselves from the potential challenges and limitations of non-cash payments?

A: Individuals can protect themselves from the potential challenges and limitations of non-cash payments by:

Using secure and reputable non-cash payment systems.
Keeping their account information and passwords secure.
Monitoring their accounts regularly for suspicious activity.
Reporting any technical issues or security concerns to the relevant authorities.