Mampukah Transaksi Digital Gantikan Uang Tunai?


 Bank Indonesia (BI) menulis keinginan uang tunai masih lumayan tinggi walau di tengah-tengah naiknya transaksi bisnis non tunai (digital). Berarti, uang non tunai masih tidak dapat geser peranan uang tunai di Indonesia, atau cuman memiliki sifat komplementer.

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"Kami berikan jika keinginan uang tunai sendiri itu tumbuh walau transaksi bisnis digital turut tumbuh," tutur Direktur Eksekutif Departemen Pengendalian Uang BI, Marlison Hakim dalam BIRAMA - Potensial Ekonomi dan Arah Peraturan BI 2021, Senin (7/12/2020).


Marlison menambah, keinginan uang tunai secara data dan bukti sesuai searah dengan perkembangan ekonomi. Hingga pada keadaan sekarang ini pemakaian uang tunai dan nontunai itu memiliki sifat komplementer belum memiliki sifat substitusi atau sama-sama gantikan.


"Tetapi dari prediksi kita, 8 tahun di depan kemungkinan pemakaian dan keinginan uang tunai akan makin turun bersamaan dengan bertambahnya pemakaian uang digital," katanya.


Tetapi, bukan bermakna keinginan uang tunai tidak ada sama sekalipun. Selaku contoh, Marlison mengatakan Swesia selaku salah satunya negara yang pemakaian uang digitalnya tinggi sekali, tetapi masihlah ada keperluan uang tunai seputar 1,4 % dari keseluruhan keperluan uang di negara itu.


"Penyebaran uang ialah peranan classic Bank Sentra. Di mana Bank Sentra mengedarkan uang tunai," kata Marlison.


Bank Indonesia memproyeksikan transaksi bisnis digital pada 2021 akan bertambah tajam. Ini bersamaan dengan trend digitalisasi yang terakselerasi sepanjang wabah covid-19 berjalan.


Gubernur Bank Indonesia (BI) Perry Warjiyo memprediksi, transaksi bisnis e-commerce pada 2021 akan sanggup capai Rp 337 triliun. Bertambah dari prediksi tahun ini sejumlah Rp 253 triliun.


"Pada 2021 nilai transaksi bisnis e-commerce akan capai Rp337 triliun," tutur ia dalam Tatap muka Tahunan Bank Indonesia (PTBI) 2020: Bersinergi Membuat Kepercayaan diri Pemulihan Ekonomi, Kamis (3/12/2020).


Sesaat, transaksi bisnis uang elektronik di tahun depan diprediksikan akan capai Rp 266 triliun. Sedang digital banking diprediksi berpotensi transaksi bisnis lebih dari Rp 32.000 triliun.


Awalnya, Perry sampaikan stabilisasi mekanisme keuangan yang masih terlindungi, intermediasi perbankan yang akan lebih baik, dan dana faksi ke-3 (DPK) dan credit semasing akan tumbuh 7 sampai 9 % pada 2021.


DANA, Dompet Digital Indonesia, satu service dari perusahaan rintisan (start up) di bagian tehnologi keuangan, mengangkat visi selaku basis sebagai jalan keluar untuk semuanya transaksi bisnis digital nontunai, baik online atau off line.


Lokasi: Indonesia

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