PENGARUH TRANSAKSI UANG ELEKTRONIK (E-MONEY) DAN ALAT PEMBAYARAN MENGGUNAKAN KARTU (APMK) KREDIT DAN DEBIT TERHADAP PRODUK DOMESTIK BRUTO (PDB) DI INDONESIA

At present the role of cash payments has begun to be shifted by technological advances that have pushed the development of payment instruments from cash to non-cash. The existence of a non-cash payment instrument, namely the Debit and Credit Card (APMK) Payment Card and E-money, makes it easier to make a transaction. This study aims to look at the effect of E-money and APMK on economic growth in Indonesia in the last 10 years period and also to see how much influence the contribution of the use of E-Money and APMK to GDP. This research method uses quantitative methods. The data used in this study are secondary data, namely data from the number of transactions and transaction volumes of credit cards, debit cards and e-money, and the amount of GDP in Indonesia in the period January 2009 to December 2019. The results of this study indicate that the volume of e-money transactions has no effect on GDP in Indonesia in the long term and short term, the volume of credit card transactions has no effect on GDP in the economy in Indonesia in the long run or in the short run, while the volume of debit card transactions has an effect on GDP in the economy in Indonesia both in the long run and in the short run