Electronic Theses and Dissertation

Perkembangan teknologi digital telah membawa perubahan signifikan dalam sistem transaksi keuangan, termasuk di Indonesia. Salah satu transformasi penting adalah munculnya sistem pembayaran digital atau cashless payment yang semakin populer, terutama di kalangan generasi milenial. Penelitian ini bertujuan untuk mengkaji perkembangan adopsi sistem cashless payment di kalangan generasi milenial di Kota Banda Aceh, serta mengidentifikasi faktor-faktor yang mempengaruhi keputusan mereka dalam mengadopsi teknologi ini. Penelitian ini merupakan penelitian kualitatif yang bertujuan untuk mendeskripsikan fenomena cashless payment yang diadopsi oleh masyarakat dan pertimbangan untung rugi dalam keputusan pemakaiannya. Data diperoleh melalui wawancara mendalam terhadap sebelas informan yang termasuk dalam kategori generasi milenial dan aktif menggunakan layanan cashless payment seperti BSI Mobile/Byond, Action by Bank Aceh, dan DANA. Analisis data dilakukan dengan pendekatan teori pilihan rasional dari James S. Colemann. Hasil penelitian menunjukkan bahwa keputusan penggunaan sistem cashless payment oleh generasi milenial tidak semata-mata berdasarkan dorongan teknologi, tetapi merupakan hasil dari pertimbangan rasional atas efisiensi, kepraktisan, dan keuntungan ekonomis yang ditawarkan, seperti promo dan cashback. Namun, dalam praktiknya keputusan ini juga dipengaruhi oleh faktor sosial, norma kelompok, serta ketidakpastian yang timbul dari risiko digital seperti gangguan sistem dan ancaman keamanan data. Hal ini menunjukkan adanya keterbatasan dalam penerapan teori pilihan rasional secara murni, karena realitas sosial turut memengaruhi tindakan individu. Penelitian ini menyimpulkan bahwa adopsi cashless payment di kalangan generasi milenial di Banda Aceh merupakan bentuk adaptasi terhadap transformasi digital, sekaligus refleksi atas perubahan nilai-nilai sosial dan ekonomi generasi muda.
Kata Kunci: Cashless Payment, Generasi Milenial, Pilihan Rasional, Banda Aceh

The development of digital technology has brought significant changes in the financial transaction system, including in Indonesia. One of the important transformations is the emergence of digital payment systems or cashless payments that are increasingly popular, especially among the millennial generation. This study aims to examine the development of the adoption of the cashless payment system among the millennial generation in Banda Aceh City, as well as identify the factors that influence their decision to adopt this technology. This research is a qualitative research that aims to describe the phenomenon of cashless payment adopted by the community and the consideration of profit and loss in its use decisions. The data was obtained through in-depth interviews with eleven informants who are included in the millennial generation category and are active in using cashless payment services such as BSI Mobile/Byond, Action by Bank Aceh, and DANA. Data analysis was carried out using the rational choice theory approach of James S. Colemann. The results of the study show that the decision to use the cashless payment system by the millennial generation is not solely based on technological impulses, but is the result of rational considerations of efficiency, practicality, and economic benefits offered, such as promos and cashback. However, in practice, this decision is also influenced by social factors, group norms, and uncertainties arising from digital risks such as system disruptions and data security threats. This shows that there are limitations in the application of rational choice theory purely because social realities also influence individual actions. This study concludes that the adoption of cashless payment among the millennial generation in Banda Aceh is a form of adaptation to digital transformation, as well as a reflection of the change in social and economic values of the younger generation. Keywords: Cashless Payment, Millennial Generation, Rational Choice, Banda Aceh