Mengapa Lebih Mudah Menggunakan Uang Elektronik?

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Submitted by uiupdate on Tue, 09/17/2013 - 11:55

Sering merasa repot dengan membawa uang receh? Atau sering sulit dapat uang kembalian?

Bank Indonesia lewat program Less-Cash Society berupaya mengurangi tingkat penggunaan uang tunai dan menggantinya dengan uang nontunai atau yang dalam hal ini disebut sebagai uang elektronik yang berupa kartu pintar (smart card) maupun akun. Program ini untuk pertama kalinya akan diujicobakan di UI pada 17 September-4 Oktober 2013. Uji coba akan berlangsung di tiga kantin yang menggunakan sistem kasir terpusat, yaitu Kantin Prima PAU, Kantin FKM, dan Kantin FISIP. Ketiga kantin tersebut dipilih karena ketiganya sudah menggunakan sistem pembayaran kasir terpusat atau pooing kasir.

Lantas, apa itu uang elektronik? Uang elektronik adalah alat pembayaran pengganti uang tunai berbentuk sebuah kartu. Sebelum digunakan, kartu tersebut diisi terlebih dahulu dengan sejumlah uang yang kemudian dapat digunakan sebagai alat pembayaran. Besarnya uang yang diisi ke dalam kartu bergantung pada pemilik kartu dan besaran maksimal isi ulang yang ditentukan masing-masing bank. Akan tetapi perlu diingat, uang elektronik ini bukan bersifat simpanan atau tabungan.

Uang elektronik selain dapat mengurangi penggunaan uang tunai dan mempercepat proses transaksi, juga memiliki sejumlah keuntungan dari segi keamanan. Penggunaan uang elektronik dapat mencegah upaya pemalsuan uang, pencucian uang (money laundrying), dan kejahatan lainnya. Uang elektronik juga dapat mengurangi biaya uang tunai seperti biaya pencetakan uang, mengurangi inflasi, sekaligus meningkatkan sirkulasi uang dalam perekonomian (velocity of money). Kemudahan lainnya adalah bahwa uang elektronik dapat digunakan sebagai alat pembayaran langsung pada merchants yang bekerja sama dengan masing-masing bank. (KHN)