JAKARTA \u2014 Across various parts of the city, the payment patterns of\nthe public are undergoing a shift that is occurring almost\nimperceptibly.<\/p>\n
At the cashier of a coffee shop, for instance, the presence of a\nsmall screen with a QR code is now more dominant than the sound of the\ncash register drawer opening and closing.<\/p>\n
At minimarket outlets, customers need only point their mobile phone\nfor a few seconds before a transaction receipt is printed.<\/p>\n
From parking fees to daily shopping, digital payment methods are\nincreasingly being used.<\/p>\n
Gradually forming a new pattern in urban life. Whereas previously\ntransactions were synonymous with banknotes and coins, the payment\nprocess is now increasingly connected with electronic devices and\napplications.<\/p>\n
The concept of a cashless society is not actually a new idea. This\nhas been developing for several years and continues to evolve.<\/p>\n
One of the main factors is the aspect of security, as digital\ntransactions are considered to minimise the risk of losing or theft of\nphysical money.<\/p>\n
Additionally, this trend is also supported by the dominance of the\nmillennial generation.<\/p>\n
This age group is relatively more adaptable to information\ntechnology, combined with a lifestyle tendency that prioritises\nconvenience, so that fast and efficient payment systems become the\nprimary choice in conducting daily economic activities.<\/p>\n
For some young urban residents, digital payment initially came about\ndue to certain circumstances. The pandemic period became a major\nmomentum when physical interaction was restricted and many places began\nto provide QR codes for transactions.<\/p>\n
Arkan, 25, one of the loyal users of QRIS, directly experienced this\nchange.<\/p>\n
He began to learn about digital payments a few years ago, and the\nsituation at that time made non-cash transactions feel safer and more\npractical.<\/p>\n
\u201cAt first it was more out of necessity because at that time there\nwere many appeals to reduce physical contact and almost all places\nalready provided QR codes, but over time it became a habit,\u201d he told\nKompas.com on Thursday (26 February 2026).<\/p>\n
Over time, this habit was no longer driven by appeals, but rather by\ncomfort and convenience.<\/p>\n
According to him, what was initially just a situational solution\nchanged into a daily consumption pattern.<\/p>\n
In Arkan\u2019s daily life, cash now rarely comes out of his wallet. Most\nneeds can be paid digitally, from transport to eating and shopping.<\/p>\n
\u201cAlmost everything is now cashless. Taking public transport using a\ncard, buying coffee, eating, shopping, even parking in Jakarta can\nsometimes be done via QR,\u201d he said.<\/p>\n
Nevertheless, he still keeps a small amount of cash as a precaution\nfor when the digital system cannot be used.<\/p>\n
Convenience is the main reason Arkan has persisted with digital\npayment. He no longer needs to bother preparing exact change or waiting\nfor change from the cashier.<\/p>\n
Additionally, the transaction history feature makes it easier for him\nto monitor spending. Everything is neatly recorded in the\napplication.<\/p>\n
\u201cSo I don\u2019t need to think about change or find exact cash. Besides\nthat, there is transaction history, so I can check spending. It also\nfeels safer because I don\u2019t carry a lot of cash in my wallet,\u201d he\nsaid.<\/p>\n
However, he also acknowledged that this convenience sometimes makes\nspending feel less visible.<\/p>", "url": "https:\/\/jawawa.id\/newsitem\/cashless-payment-increasingly-dominant-yet-not-all-are-ready-to-abandon-cash-1772197237", "image": "" }, "sponsor": "Okusi Associates", "sponsor_url": "https:\/\/okusiassociates.com" }