{"id":6286,"date":"2022-01-06T09:51:00","date_gmt":"2022-01-06T09:51:00","guid":{"rendered":"https:\/\/fazz.com\/id\/?p=1821"},"modified":"2025-12-30T21:22:01","modified_gmt":"2025-12-30T14:22:01","slug":"apa-itu-e-wallet","status":"publish","type":"post","link":"https:\/\/fazz.com\/id\/newsroom\/business\/apa-itu-e-wallet\/","title":{"rendered":"Apa itu E-wallet? Ini Definisi, Cara Kerja, dan Contohnya"},"content":{"rendered":"\n<p>Wabah pandemi COVID-19 seakan memaksa percepatan pemanfaatan teknologi digital di seluruh kalangan masyarakat. Mulai dari kegiatan belajar-mengajar, dunia kerja, tak terkecuali di bidang keuangan. Maka tak heran kini banyak masyarakat yang sudah terbiasa bertransaksi secara <em>online<\/em>.<\/p>\n\n\n\n<p>Mengutip laporan Hootsuite dan We Are Social bertajuk \u2018Digital 2021\u2019 diketahui bahwa 87,1% pengguna internet di Indonesia sudah berbelanja <em>online <\/em>melalui perangkat elektronik selama beberapa bulan terakhir pada 2020 lalu. Beberapa di antaranya berbelanja dengan dompet digital atau<em> e-wallet.&nbsp;<\/em><\/p>\n\n\n\n<p>Berdasarkan riset Lembaga Jajak Pendapat alias Jakpat tahun 2020, 9 dari 10 orang pengguna internet di Indonesia yang berusia sekitar 25 hingga 35 tahun merupakan pengguna aktif dompet digital.<\/p>\n\n\n\n<p>Sebelum lebih jauh membahas tren transaksi online dan penggunaan e-wallet di Indonesia, ada baiknya memahami dulu apa itu e-wallet?<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-apa-itu-e-wallet\"><strong>Apa Itu E-Wallet?<\/strong><\/h2>\n\n\n\n<p><em>E-wallet <\/em>atau dompet digital adalah sebuah sistem layanan elektronik berbasis <em>software <\/em>yang menyimpan informasi pembayaran dan kata sandi pengguna dengan aman untuk berbagai metode pembayaran dan situs web. Dengan menggunakan<em>e-wallet, <\/em>banyak keuntungan e-wallet seperti pengguna dapat menyelesaikan pembelian dengan mudah dan cepat melalui <em>gadget <\/em>yang dimiliki (HP, laptop\/komputer).\u00a0<\/p>\n\n\n\n<p>Kehadiran dan perkembangan <em>e-wallet <\/em>semakin pesat belakangan sebab diiringi dengan semakin banyaknya startup <em>fintech <\/em>yang muncul di Indonesia. Pemerintah juga ikut andil dalam perkembangan dompet digital tersebut dengan menerbitkan peraturan yang mengatur legalitas kegiatan transaksi menggunakan uang elektronik.&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-alasan-masyarakat-suka-e-wallet\"><strong>Alasan Masyarakat Suka E-Wallet<\/strong><\/h2>\n\n\n\n<p>Dalam riset Jakpat dijelaskan ada kenaikan sekitar 80% penggunaan <em>e-wallet<\/em> selama masa pandemi terutama PSBB. Hal ini sebagai respons masyarakat juga demi menekan penyebaran virus melalui uang tunai.<\/p>\n\n\n\n<p>Dari segi penggunaannya, ada beberapa cara masyarakat menggunakan<em> e-wallet,<\/em> sebagai berikut:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Sekitar 76% responden menggunakan <em>e-wallet <\/em>untuk melakukan top up dan pembelian paket data<\/li>\n\n\n\n<li>56% digunakan untuk <em>online shopping&nbsp;<\/em><\/li>\n\n\n\n<li>42% digunakan untuk mengirimkan uang&nbsp;<\/li>\n\n\n\n<li>41% digunakan untuk pembayaran produk utilitas<\/li>\n\n\n\n<li>36% dompet digital banyak digunakan untuk pembelian makanan pesan antar<\/li>\n<\/ul>\n\n\n\n<p>Selain kelima cara di atas, masih banyak lagi tipe-tipe pembayaran lainnya yang dilakukan melalui <em>e-wallet <\/em>contoh untuk pembayaran BPJS, berdonasi, transportasi, berinvestasi, makan, hiburan, pembelian produk retail dan kartu kredit.<\/p>\n\n\n\n<p>Dari segi motifnya, selain untuk mengurangi penyebaran virus COVID-19, ada beberapa alasan lain kenapa masyarakat banyak memilih menggunakan <em>e-wallet <\/em>di antaranya:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Dompet digital atau <em>e-wallet <\/em>mudah digunakan&nbsp;<\/li>\n\n\n\n<li>Menawarkan banyak promosi&nbsp;<\/li>\n\n\n\n<li>Tidak perlu menggunakan uang tunai<\/li>\n\n\n\n<li>Keamanan terjamin<\/li>\n\n\n\n<li>Mudah untuk mengecek <em>history <\/em>pemakaiannya<\/li>\n\n\n\n<li>Menghindari tidak adanya uang kembalian<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-kelebihan-e-wallet\"><strong>Kelebihan E-Wallet<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Transaksi lebih cepat<\/strong>. Dompet digital menggunakan teknologi QR code atau kode batang untuk melakukan transaksi. Hal ini membuat transaksi menjadi lebih cepat dan efisien.<\/li>\n\n\n\n<li><strong>Lebih praktis<\/strong>. Dompet digital dapat digunakan dengan smartphone atau perangkat elektronik lainnya karena merupakan metode pembayaran <em>online<\/em>, pengguna tidak perlu membawa uang tunai atau kartu kredit saat bepergian.<\/li>\n\n\n\n<li><strong>Lebih aman<\/strong>. Dompet digital menggunakan teknologi keamanan yang canggih untuk melindungi data pengguna, seperti PIN, kode OTP, dan biometrik.<\/li>\n\n\n\n<li><strong>Menawarkan banyak promo<\/strong>. Dompet digital sering menawarkan promo menarik, seperti diskon, cashback, dan voucher. Hal ini dapat menghemat pengeluaran pengguna.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-kekurangan-e-wallet\"><strong>Kekurangan E-Wallet<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Tidak semua tempat menerima pembayaran e-wallet<\/strong>. Masih ada beberapa tempat, seperti warung makan kecil atau pasar tradisional, yang belum menerima pembayaran dengan dompet digital.<\/li>\n\n\n\n<li><strong>Ada biaya admin untuk beberapa transaksi<\/strong>. Beberapa penyedia dompet digital mengenakan biaya admin untuk beberapa transaksi, seperti transfer antar bank.<\/li>\n\n\n\n<li><strong>Dapat meningkatkan gaya hidup konsumtif<\/strong>. Penggunaan dompet digital dapat membuat penggunanya lebih mudah untuk berbelanja, sehingga dapat meningkatkan gaya hidup konsumtif.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-cara-kerja-e-wallet\">Cara Kerja E-Wallet<\/h2>\n\n\n\n<p>Di Indonesia sudah terdapat beberapa <em>e-wallet <\/em>di Indonesia, salah satunya adalah ShopeePay. ShopeePay juga merupakan salah satu <em>e-wallet<\/em> terpopuler saat ini. Mengutip survei Databoks, ShopeePay paling banyak digunakan saat pandemi dengan total pengguna mencapai 34% dari total nilai transaksi menggunakan <em>e-wallet<\/em> di Indonesia.<\/p>\n\n\n\n<p>Cara kerja e-wallet secara umum adalah sebagai berikut:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Pengguna mengunduh dan mendaftar aplikasi e-wallet dari penyedia layanan.<\/li>\n\n\n\n<li>Pengguna mengisi saldo e-wallet melalui berbagai metode, seperti transfer bank, kartu kredit, atau ATM.<\/li>\n\n\n\n<li>Pengguna dapat menggunakan e-wallet untuk melakukan <a href=\"https:\/\/fazz.com\/id\/newsroom\/business\/jenis-pembayaran-online\/\">transaksi online<\/a> atau offline<\/li>\n<\/ol>\n\n\n\n<p>Hal ini bisa dilihat sebagai peluang bagi para pelaku bisnis karena saatnya pemilik usaha atau toko <em>online <\/em>terbuka dengan pembayaran dari <em>e-wallet <\/em>salah satunya dari ShopeePay. Agar toko online Anda bisa menerima pembayaran dari ShopeePay, Anda bisa mempercayakannya kepada layanan <em>payment solution <\/em>dari Fazz Business (formerly Xfers).&nbsp;<\/p>\n\n\n\n<p><em>Nah<\/em>, berikut cara menghubungkan toko online Anda ke Shopeepay lewat Fazz Business (formerly Xfers):<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Bila Anda belum pernah mendaftar ke Fazz kunjungi dulu laman <a href=\"https:\/\/fazz.com\">https:\/\/fazz.com<\/a>&nbsp; lalu klik Sign Up.<\/li>\n\n\n\n<li>Ikuti proses registrasi bisnis sampai tuntas<\/li>\n\n\n\n<li>Setelah itu, hubungi tim Fazz Business (formerly Xfers) untuk permohonan aktivasi penerimaan pembayaran dari ShopeePay. Tim Fazz Business (formerly Xfers) akan membantu Anda untuk proses administrasinya. Anda hanya perlu memberikan dokumen yang diperlukan kepada kami dan kami akan memberitahu Anda saat aktivasi selesai.<\/li>\n\n\n\n<li>Setelah aktif, Anda bisa menerima pembayaran pelanggan dari ShopeePay<\/li>\n\n\n\n<li>Pelanggan memilih pembayaran menggunakan ShopeePay<\/li>\n\n\n\n<li>Toko online Anda secara otomatis akan meminta metode pembayaran ShopeePay ke Fazz Business (formerly Xfers) dengan memberikan URL after settlement return<\/li>\n\n\n\n<li>Xfers akan membuat permintaan pembayaran di ShopeePay<\/li>\n\n\n\n<li>ShopeePay akan memberikan URL redirect.<\/li>\n\n\n\n<li>Fazz Business (formerly Xfers) meneruskan URL pengalihan ke toko online Anda.&nbsp;<\/li>\n\n\n\n<li>Toko online Anda secara otomatis akan mengarahkan pelanggan ke aplikasi Shopee.&nbsp;<\/li>\n\n\n\n<li>Setelah pembayaran selesai, pelanggan akan diarahkan kembali ke aplikasi toko online Anda.<\/li>\n\n\n\n<li>ShopeePay akan memberi tahu Fazz Business (formerly Xfers) ketika pembayaran berhasil.&nbsp;<\/li>\n\n\n\n<li>Fazz Business (formerly Xfers) akan mengirim notifikasi ke toko online Anda.&nbsp;<\/li>\n\n\n\n<li>Toko online Anda mengirim notifikasi secara otomatis bahwa pembayaran sudah berhasil kepada pelanggan<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Contoh E-Wallet<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">1. DANA&nbsp;&nbsp;<\/h3>\n\n\n\n<p>DANA menawarkan berbagai fitur dan layanan, seperti transfer uang, pembayaran belanja online, pembayaran tagihan, dan top up pulsa.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. GoPay&nbsp;<\/h3>\n\n\n\n<p>GoPay menawarkan berbagai fitur dan layanan, seperti transfer uang, pembayaran belanja online, pembayaran tagihan, dan top up pulsa.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. OVO&nbsp;<\/h3>\n\n\n\n<p>OVO menawarkan berbagai fitur dan layanan, seperti transfer uang, pembayaran belanja online, pembayaran tagihan, dan top up pulsa.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. LinkAja&nbsp;<\/h3>\n\n\n\n<p>LinkAja menawarkan berbagai fitur dan layanan, seperti transfer uang, pembayaran belanja online, pembayaran tagihan, dan top up pulsa.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">5. ShopeePay<\/h3>\n\n\n\n<p><a href=\"https:\/\/fazz.com\/id\/newsroom\/business\/membuat-pembayaran-shopeepay\/\">ShopeePay <\/a>menawarkan berbagai fitur dan layanan, seperti transfer uang, pembayaran belanja di Shopee, pembayaran tagihan, dan top up pulsa.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">6. Jenius&nbsp;<\/h3>\n\n\n\n<p>Jenius menawarkan berbagai fitur dan layanan, seperti transfer uang, pembayaran belanja online, pembayaran tagihan, dan top up pulsa.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">7. TapCash&nbsp;<\/h3>\n\n\n\n<p>TapCash menawarkan berbagai fitur dan layanan, seperti pembayaran transportasi umum, pembayaran belanja di minimarket, dan top up pulsa.<\/p>\n\n\n\n<p>Demikian informasi mengenai apa itu <em>e-wallet <\/em>dan cara kerjanya. Jadi, tunggu apa lagi? Daftarkan bisnis Anda dengan <em>payment solution <\/em>dari Fazz Business (formerly Xfers) sekarang!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Wabah pandemi COVID-19 seakan memaksa percepatan pemanfaatan teknologi digital di seluruh kalangan masyarakat. Mulai dari kegiatan belajar-mengajar, dunia kerja, tak terkecuali di bidang keuangan. Maka tak heran kini banyak masyarakat yang sudah terbiasa bertransaksi secara online. Mengutip laporan Hootsuite dan We Are Social bertajuk \u2018Digital 2021\u2019 diketahui bahwa 87,1% pengguna internet di Indonesia sudah berbelanja [&hellip;]<\/p>\n","protected":false},"author":19,"featured_media":6572,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[551],"tags":[298,214,221,75,41,223,133,226],"class_list":["post-6286","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business","tag-articles","tag-bahasa","tag-business","tag-e-wallet","tag-fazz","tag-global","tag-indonesia","tag-singapore"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Apa itu E-wallet? 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