Perancangan Roadmap Produk dan Teknologi pada Uang Elektronik Chip-Based di Indonesia
DOI:
https://doi.org/10.12695/jmt.2015.14.1.3Abstract
Abstrak.Perkembangan teknologi yang sangat pesat membawa dampak dalam kehidupan masyarakat. Salah satunya perubahan skema pembayaran dari tunai ke non tunai. Pada saat ini, alat pembayaran non tunai melakukan inovasi dengan diterbitkannya uang elektronik untuk melayani pembayaran transaksi bernilai kecil. Akan tetapi, jumlah pengguna uang elektronik di Indonesia masih tergolong rendah. Melalui penelitian ini, penulis ingin meningkatkan jumlah pengguna uang elektronik di Indonesia dengan memfokuskan pada uang elektronik chip-based yang diterbitkan oleh bank. Untuk meningkatkannya penulis akan meneliti fitur uang elektronik yang diinginkan masyarakat dengan proses conjoint analysis. Hasil yang didapatkan yaitu minimum top up sebesar Rp 20.000, tidak ada minimum saldo yang harus tersedia di uang elektronik dalam melakukan pembayaran, tidak ada minimum pembayaran dalam satu kali transaksi, adanya batas masa berlaku kartu yaitu selama 5 tahun dan terdapat jenis keamanan berupa PIN. Selanjutnya dilakukan perancangan roadmap produk dan teknologi sebagai strategi penguat uang elektronik hingga tahun 2025. Perancangan roadmap produk dan teknologi ini diharapkan dapat menjadi sebuah standardisasi uang elektronik chip-based di Indonesia untuk mewujudkan interoperability antar uang elektronik yang diharapkan dapat meningkatkan pemakaian uang elektronik.
Kata kunci: Uang elektronik chip-based; conjoint analysis; peta jalan produk dan teknologi
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Abstract. Due to the growing dynamism and complexity of technology development, early recognition and monitoring of technological, market, political and social developments is of growing importance to successful innovation. In this context, roadmapping is a method that answers the questions of creating new product development in innovation terms. Nevertheless, the important point is not solely to project what is technically feasible to be implemented, but rather to broaden the perspective with socio-economic aspects and particularly, as a critical factor, incorporating customer requirements at an early stage. This research elaborates the integration of conjoint analysis into product-technology roadmapping to develop a strategic e-money product-technology roadmap in Indonesia. This research focuses on the case of chip-based e-money and how to increase the utilization of the chip-based e-money in Indonesia. The chip-based e-money features resulted from conjoit analysis were minimum top-up Rp.20.000,-, no minimum amount on account, no minimum amount on one transaction, validity period 5 years and security mode on transaction using PIN. These features are then integrated into the product-technology roadmap, which was created and validated through in-depth interviews with experts from Bank Indonesia and University of Indonesia. The output of the research was a strategic product-technology roadmap of chip-based e-money in Indonesia until 2025, as the standard reference of the chip-based e-money development in Indonesia.
Keywords: chip-based electronic money; conjoint analysis, product and technology roadmapping
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