Sri Widiyati, Theresia Tyas Listyani, Rikawati Rikawati, Muhammad Rois


WHO (World Health Organization) has called for stopping paper money as a meant of payment because the corona virus can live on the surface of money several days. This situation causes some people to swich our behavior in payments, namely cashless payments. The research problems is how to accelerate switching behavior in cashless payment in Central Java. The purpose of the study was to identify the determinants and the contraints of the switching behavior to cashless payments for the people of Central Java. The number of samples were 100 people from various regions in Central Java. The data needed is primary data and collected using questioners and depth interview on several respondents. Analysis data use validity, reliability and factoring analysis. Empirical result show that determinan of switching were social aspect, speed, security, pratically and job expectations. Meanwhile , the obstacles are the limited amount of money available and money can be lost, limited ways and places to top up, hedonic tendency, limited space for shopping and the e-money only for payments. 


switching; behaviour; cashless; determinants; contrains.

Full Text:



Auer, Raphael, Giulio Cornelli, and Jon Frost. 2020. Covid-19, cash, and the future of payments. BIS Bulletin, (3).

Chin, Alex W.H., Julie T.S. Chu, Mahen R.A. Perera, Kenrie P.Y. Hui, Hui-Ling Yen, Michael C.W. Chan, Malik Peiris, and Leo L.M. Poon. 2020. Stability of SARS-CoV-2 in different environmental conditions. The Lancet Microbe, 1(1), e10.

Hafandi, Akhmad, Hilmy Masdar, Handayani,Puji. 2021. New trend switching behavior of bank customer. Jurnal Ekonomi dan Studi Pembangunan, 13 (1), hal 52-59.

Harbourt, David E., Andrew D. Haddow, Ashley E. Piper, Holly Bloomfield, Brian J. Kearney, David Fetterer, Kathleen Gibson, and Timothy Minogue. (2020) “Modeling the stability of severe acute respiratory syndrome coronavirus 2 (SARS-CoV-2) on skin, currency, and clothing. PLOS Neglected Tropical Diseases, 14(11), e0008831.

Hazen,B.T.,Moleenkoft,D.A. dan wang,Y.2017. Remanucfacturing for the circular economy.: An examination of consumer switching behavior.Business Strateghy and The Eviriment,2(4), 451-464.

Jun,J.,Han,H. dan OH.M (2017).Traveller’switching behavior in the airline industry from the perspective of the push-pull-morning framework.Tourism Management,59,139-153.

Kusnandar,Viva Budi.2019. Berapa Transaksi Uang Elektronik di Indonesia?Diakses dari https://databoks.katadata.co.id/datapublish/2019/11/07/berapa-transaksi-uang-elektronik-di-indonesia pada tanggal 19 Maret 2021.

Manurip,Jelita, Tumbuah, Willem J.F.A., Worang, Frederik G. 2020. Comparative analysis of customers switching behavior between Bank Negara Indonesia and Bank Rakyat Indonesia. Jurnal EMBA,Vol.8, No.3. hal.222-230.

Sekaran,Uma. 2006.Metodologi Penelitian Untuk Bisnis.Salemba Empat.Jakarta

Syah,Sri Rahayu, Ibrahim, Sufardi. 2018. Switching behavior nasabah bank : Tinjauan empiris teoritis keperilakuan di kota Makasar. Jurnal Pemikiran Ilmiah dan Pendidikan Administrasi Perkantoran,Vol.5 ,No.2,hal. 113-122.

Van Doremalen, Neeltje, Trenton Bushmaker, Dylan H. Morris, Myndi G. Holbrook, Amandine Gamble.2020. Aerosol and Surface Stability of SARS-CoV-2 as Compared with SARS-CoV-1. The New England Journal of Medicine.


  • There are currently no refbacks.