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Designing a Mobile Digital Payment Application for Gas Stations in Indonesia

Aulia, A. (2019) Designing a Mobile Digital Payment Application for Gas Stations in Indonesia.

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Abstract:Gas stations in Indonesia are far from mature in terms of digitalization. The dependence of manual labour is high with the cash transaction as the most used method of transaction. Collecting the money from every single gas station is already a big issue, let alone the needs of quick decision making for the gas station owner. Indonesia is a cash country with most of the population still unbanked. Banks themselves face the challenge of implementing their business in rural areas represent as scattered islands. For gas stations, cash payment is the culprit of counterfeit because of inadequate authenticity checking time, violent crime, frauds, negligence for managing the money, and shortage of cash change disrupting the payment flow. Digital payment methods such as card-based and mobile server-based payment are emerging in Indonesia, serving as a potential solution. Averaging of 4000 fuel transactions a day with over 5600 gas stations available are suitable places for cash to cashless conversion. An artefact was designed and implemented for solving the problem of cash by conversion, add a new source of revenues, and provide the first step of the digitalization for the gas station. The artefact itself is running on an android mobile EDC (electronic data capture) which is providing easiness for the business to run compared to a fixed placed solution such as personal computers or huge POS (Point of sales) machine. The artefact functions as the substitute of banks for the society where cash can convert into cashless by accepting top-ups and payment for known products of digital payment in Indonesia. This thesis provides a step by step practical implementation of design science. Result shows that IS (information system) theories such as TTF (task-technology fit), TAM (technology acceptance model) and CST (critical methods thinking) are found suitable to design such an artefact. The thesis has been successfully delivering the design of the artefact, implementation, validation, and utilization by the gas station operator for serving its purpose of converting cash to cashless. The direct impact of the application for Pertamina is a new source of revenues and add efficiency because of reducing transaction time. The task for the gas station operator is simplified, meanwhile increase customer satisfaction because of the reduction of the queue. For society, the application mainly serves as a digital payment method for urban areas and function as a bank supplementary for remote areas where people in Indonesia can change their cash into cashless. The implication after cashless conversion possessing a considerable benefit for society. It makes people connected to the online market and open positive possibilities; Thus, remote areas seem not as remote as before. P a g e | ii For the market, the application serves as the battleground where cross-selling and promotion is made possible. For example, paying for fuel may lead to a discount for paying electricity where this program has never happened before in Indonesia. The application can now serve 203 different digital products; However, even in this stage of development, the application is still far from mature. The system is serving as a basis of digitalization for gas stations in Indonesia can be further developed for example connected to assess customer behaviour, function as a point of sales of a new business inside the facility, and operator human resource application. The application is a clear example where IS in the right direction may serve a huge benefit not just for the business but also serving as a solution for the problem in society. The complexity faced while designing the artefact was the various technologies for digital payment in Indonesia and will get more complicated by each addition of new technologies or new products launched. Political and legal conditions are essential for the successfulness for the cash to cashless conversion. Therefore, a standardization for digital payment in Indonesia is urgently needed. Last, the method is generalized and could be useful for developing countries with a similar condition where cellular network is already present better than the bank's offline services.
Item Type:Essay (Master)
Rajawali Telekomunikasi Selular, Teuku Umar Barat 17, Bali, Indonesia
Faculty:EEMCS: Electrical Engineering, Mathematics and Computer Science
Subject:54 computer science
Programme:Business Information Technology MSc (60025)
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