Bahasa Inggris Bisnis 1
Class : 3EB04
Name :
1. Dewi Mustika (21217587)
2. Elsa Pratika (21217919)
Describing Business Trends in 2019
The increasingly advanced digital development of the Payment System Revolution in the Digital Economy Era - has transformed many fields, one of which is the business industry. Digitalisation in the business industry changes quite a lot how business people carry out their economic activities. Examples of digital developments in the industry itself include the use of modern cash register machines in the form of cloud-based applications and Moka POS. Its function is not only to have the function of making transactions easier, but also to provide sales reports, manage inventory, create promotional programs and determine the role of employees, all of which can be done through a single application.
In addition to modern cashier applications, digital developments have also penetrated the financial sector in Indonesia and have revolutionized the current payment system. This means that fewer people are carrying cash. This development has also created a community called the Cashless Society for people who more often use electronic payments as instruments of economic activity.
• Electronic Wallet vs. Electronic Money
Electronic wallet is an electronic service to store data of payment instruments, including payment instruments using cards and / or electronic money, which can also hold funds, to make payments. So like the function of the wallet, in the electronic wallet there is electronic money with a certain nominal.
There are differences between electronic wallets and electronic money:
1. Chip Based vs. Server Based
Ever heard the news that now to enter the toll gate you must use e-toll? Now e-toll is an embodiment of e-money or chip-based electronic money. Electronic money first appeared in card form. The well-known electronic money is BCA Flazz, Mandiri E-Money, BRI Brizzi, BNI Tap Cash, BTN Blink, Mega Cash, Nobu E-Money, JakCard DKI Bank and Skye Mobile Money published by Skye Sab Indonesia.
Whereas an electronic wallet is an electronic service for saving electronic money. For this reason, electronic wallets can also be called server-based electronic money. Electronic wallet requires a connection to the publisher's server.
2. Scope of Use
In terms of usage, electronic money in the form of cards may be more widely used for daily needs. This is because it has a physical form like a credit card or ATM card. For example, for transactions on toll roads, payment of public transportation tickets, purchase transactions at retail outlets of minimarkets to purchase tickets at various entertainment venues.
While the electronic wallet is more online. For example, to shop online, buy credit, pay telephone bills, buy electricity credit tokens or pay bpjs.
3. How to fill the balance
Card-shaped electronic money can top up at the nearest minimarket. This is because to top up electronic money in the form of cards is the easiest to do in a minimarket such as Alfamart or Indomaret. Actually it can be done via mobile banking, but smartphones must support NFC technology.
Replenishing balances for electronic wallets is faster and easier. Because you can top up through ATMs, mobile banking, internet banking, the nearest minimarket, and even transfers between users. So you can ask your friend to help send a certain balance. For GO-PAY, you can directly top up through the GO-Jek driver too.
4. Maximum Balance
According to Bank Indonesia Regulation Number 20/6 / PBI / 2018, Bank Indonesia set a maximum limit for refill unregistered or unregistered electronic money to Rp 2 million, from Rp 1 million previously. Whereas electronic wallet has a maximum limit of 10 million rupiah.
5. User Identity
Electronic wallet is a non-cash payment method. According to Bank Indonesia Regulation Number 20/6 / PBI / 2018, electronic money can be distinguished based on the recording of user identity data. There are 2 categories namely,
- Unregistered, namely electronic money whose user identity data is not registered and not recorded with the issuer. Usually this category is often found on electronic money using cards (chip based).
- Registered, namely electronic money whose user identity data is registered and registered with the Issuer. Now Indonesia's digital wallet into this category. Because the publisher usually records the name or telephone number used. There are even some publishers that require customers to upload their KTP.
Name :
1. Dewi Mustika (21217587)
2. Elsa Pratika (21217919)
Describing Business Trends in 2019
The increasingly advanced digital development of the Payment System Revolution in the Digital Economy Era - has transformed many fields, one of which is the business industry. Digitalisation in the business industry changes quite a lot how business people carry out their economic activities. Examples of digital developments in the industry itself include the use of modern cash register machines in the form of cloud-based applications and Moka POS. Its function is not only to have the function of making transactions easier, but also to provide sales reports, manage inventory, create promotional programs and determine the role of employees, all of which can be done through a single application.
In addition to modern cashier applications, digital developments have also penetrated the financial sector in Indonesia and have revolutionized the current payment system. This means that fewer people are carrying cash. This development has also created a community called the Cashless Society for people who more often use electronic payments as instruments of economic activity.
• Electronic Wallet vs. Electronic Money
Electronic wallet is an electronic service to store data of payment instruments, including payment instruments using cards and / or electronic money, which can also hold funds, to make payments. So like the function of the wallet, in the electronic wallet there is electronic money with a certain nominal.
There are differences between electronic wallets and electronic money:
1. Chip Based vs. Server Based
Ever heard the news that now to enter the toll gate you must use e-toll? Now e-toll is an embodiment of e-money or chip-based electronic money. Electronic money first appeared in card form. The well-known electronic money is BCA Flazz, Mandiri E-Money, BRI Brizzi, BNI Tap Cash, BTN Blink, Mega Cash, Nobu E-Money, JakCard DKI Bank and Skye Mobile Money published by Skye Sab Indonesia.
Whereas an electronic wallet is an electronic service for saving electronic money. For this reason, electronic wallets can also be called server-based electronic money. Electronic wallet requires a connection to the publisher's server.
2. Scope of Use
In terms of usage, electronic money in the form of cards may be more widely used for daily needs. This is because it has a physical form like a credit card or ATM card. For example, for transactions on toll roads, payment of public transportation tickets, purchase transactions at retail outlets of minimarkets to purchase tickets at various entertainment venues.
While the electronic wallet is more online. For example, to shop online, buy credit, pay telephone bills, buy electricity credit tokens or pay bpjs.
3. How to fill the balance
Card-shaped electronic money can top up at the nearest minimarket. This is because to top up electronic money in the form of cards is the easiest to do in a minimarket such as Alfamart or Indomaret. Actually it can be done via mobile banking, but smartphones must support NFC technology.
Replenishing balances for electronic wallets is faster and easier. Because you can top up through ATMs, mobile banking, internet banking, the nearest minimarket, and even transfers between users. So you can ask your friend to help send a certain balance. For GO-PAY, you can directly top up through the GO-Jek driver too.
4. Maximum Balance
According to Bank Indonesia Regulation Number 20/6 / PBI / 2018, Bank Indonesia set a maximum limit for refill unregistered or unregistered electronic money to Rp 2 million, from Rp 1 million previously. Whereas electronic wallet has a maximum limit of 10 million rupiah.
5. User Identity
Electronic wallet is a non-cash payment method. According to Bank Indonesia Regulation Number 20/6 / PBI / 2018, electronic money can be distinguished based on the recording of user identity data. There are 2 categories namely,
- Unregistered, namely electronic money whose user identity data is not registered and not recorded with the issuer. Usually this category is often found on electronic money using cards (chip based).
- Registered, namely electronic money whose user identity data is registered and registered with the Issuer. Now Indonesia's digital wallet into this category. Because the publisher usually records the name or telephone number used. There are even some publishers that require customers to upload their KTP.
Komentar
Posting Komentar