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Analyzing The Development of Cashless Society Using the Structural Equation Modeling

Economics Development Analysis Journal · Vol. 13 No. 4 (2025)

DOI
10.15294/edaj.v13i4.15874
ISSN
2502-2725, 2252-6560
Terbit
2025-03-24
Penerbit
Universitas Negeri Semarang
Bahasa
eng

Abstrak

Payment systems continue to evolve alongside advancements in information technology, driving the digitization of financial services and payment instruments. This study examines the influence of Psychological, Socio-Cultural, and Personal Factors on adopting electronic money and the growth of a cashless society, with Financial Technology as a moderating variable. The research involved 1,000 Bank BNI customers in the Jabodetabek area (Jakarta, Bogor, Depok, Tangerang, and Bekasi) actively using BNI Mobile Banking services. The analytical methods employed include Discourse Network Analysis and Structural Equation Modeling to develop a comprehensive analysis model. The results indicate that psychological and personal factors—such as motivation, perception, learning, positive attitude, modern lifestyle, and openness to change—significantly influence electronic money usage. However, socio-cultural factors do not exhibit a significant impact, primarily due to persistent cash usage habits and a lack of trust in technology. This study highlights the need for financial education to promote awareness of electronic money benefits and security, develop tailored financial products, and enhance regulatory collaboration between the government and relevant institutions.

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  • University of Brawijaya
  • Universitas Halu Oleo
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Rekan penulisOrganisasiArtikel bersama
Atiek IrianyUniversity of Brawijaya4
Lalu Ramzy RahmandaAfiliasi tidak diketahui2
Lalu Ramzy RahmandaAfiliasi tidak diketahui2
Dea Saraswati PramaningrumUniversity of Brawijaya2
Ani Budi AstutiUniversity of Brawijaya2
Fachira Haneinanda JuniantoUniversity of Brawijaya2
Rinda Lolita MelanwatiUniversity of Brawijaya1
Henny PramoedyoUniversity of Brawijaya1
Dwi Ayu LusiaUniversity of Brawijaya1
Karen SematheaAfiliasi tidak diketahui1
Achmad EfendiAfiliasi tidak diketahui1
Karen SematheaAfiliasi tidak diketahui1
Achmad EfendiAfiliasi tidak diketahui1
Hanifa SepriadiAfiliasi tidak diketahui1
Adji Achmad Rinaldo FernandesAfiliasi tidak diketahui1
Hanifa SepriadiUniversity of Brawijaya1
Cindy Rudiat SekarsariUniversity of Brawijaya1
Adji Achmad Rinaldo FernandesUniversity of Brawijaya1
Ni Wayan Surya WardhaniUniversity of Brawijaya1
Nabila Ayunda SoviaAfiliasi tidak diketahui1
Rimba HamidUniversitas Halu Oleo1
Herni HerniAfiliasi tidak diketahui1
MAULIDIYAH -Afiliasi tidak diketahui1
HALIMATUSSADIYAH -Afiliasi tidak diketahui1
FITRI SUSANTIAfiliasi tidak diketahui1
ANSHARULLAH -Afiliasi tidak diketahui1
Dahlia Gladiola Rurina MenufanduAfiliasi tidak diketahui1
Rahma FitrianiAfiliasi tidak diketahui1

Afiliasi berasal dari OpenAlex; metadata OAI-PMH jurnal tidak memuatnya. Penulis tanpa ID OpenAlex dicocokkan berdasarkan nama, sehingga dua orang bisa tergabung atau satu orang bisa terpisah.

Sumber metadata: OAI-PMH (metadata jurnal) https://journal.unnes.ac.id/journals/edaj/oai, pertama di-harvest 5 Nov 2026, terakhir terlihat 5 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en">Analyzing The Development of Cashless Society Using the Structural Equation Modeling</dc:title>
	<dc:creator xml:lang="en">Nurdin, Muhammad</dc:creator>
	<dc:creator xml:lang="en">Fernandes, Adji</dc:creator>
	<dc:creator xml:lang="en">Sumarminingsih, Eni</dc:creator>
	<dc:creator xml:lang="en">Solimun</dc:creator>
	<dc:creator xml:lang="en">Ullah, Muhammad</dc:creator>
	<dc:subject xml:lang="en">Cashless Society</dc:subject>
	<dc:subject xml:lang="en">Discourse Network Analysis</dc:subject>
	<dc:subject xml:lang="en">Financial Technology</dc:subject>
	<dc:subject xml:lang="en">Mobile Banking</dc:subject>
	<dc:subject xml:lang="en">Structural Equation Model</dc:subject>
	<dc:description xml:lang="en">Payment systems continue to evolve alongside advancements in information technology, driving the digitization of financial services and payment instruments. This study examines the influence of Psychological, Socio-Cultural, and Personal Factors on adopting electronic money and the growth of a cashless society, with Financial Technology as a moderating variable. The research involved 1,000 Bank BNI customers in the Jabodetabek area (Jakarta, Bogor, Depok, Tangerang, and Bekasi) actively using BNI Mobile Banking services. The analytical methods employed include Discourse Network Analysis and Structural Equation Modeling to develop a comprehensive analysis model. The results indicate that psychological and personal factors—such as motivation, perception, learning, positive attitude, modern lifestyle, and openness to change—significantly influence electronic money usage. However, socio-cultural factors do not exhibit a significant impact, primarily due to persistent cash usage habits and a lack of trust in technology. This study highlights the need for financial education to promote awareness of electronic money benefits and security, develop tailored financial products, and enhance regulatory collaboration between the government and relevant institutions.</dc:description>
	<dc:publisher xml:lang="en">Universitas Negeri Semarang</dc:publisher>
	<dc:date>2025-03-24</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en">Peer-reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://journal.unnes.ac.id/journals/edaj/article/view/15874</dc:identifier>
	<dc:identifier>10.15294/edaj.v13i4.15874</dc:identifier>
	<dc:source xml:lang="en">Economics Development Analysis Journal; Vol. 13 No. 4 (2024): Economics Development Analysis Journal</dc:source>
	<dc:source>2502-2725</dc:source>
	<dc:source>2252-6560</dc:source>
	<dc:source>10.15294/edaj.v13i4</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://journal.unnes.ac.id/journals/edaj/article/view/15874/3339</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2025 Economics Development Analysis Journal</dc:rights>
</oai_dc:dc>