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Pembayaran Online dan Perbankan Digital Meningkat Pesat di Asia Tenggara Ilustrasi. (Foto: Freepik)
Uzone.id - Salah satu efek nyata dari pandemi virus Corona (COVID-19) adalah peningkatan pesat layanan pembayaran online dan perbankan digital di seluruh Asia Tenggara (SEA).
Karena berbagai pembatasan jarak sosial, orang-orang dari seluruh wilayah sekarang memilih untuk menghindari cabang bank secara langsung. Pada gilirannya ini memicu peningkatan penggunaan e-wallet dan aplikasi pembayaran seluler.
Pada akhir 2019, transaksi keuangan online di Asia Tenggara bahkan diprediksi menjadi bisnis $1 triliun pada tahun 2025. Segmen dompet digital juga diperkirakan akan melonjak lima kali lipat menjadi $114 miliar selama tahun yang sama.
“Saya yakin kedua sektor utama tersebut akan melampaui angka yang diprediksi, seiring kita masih mencoba meminimalkan kontak manusia demi kesehatan fisik,” Ujar Yeo Siang Tiong, General Manager untuk Asia Tenggara di Kaspersky dalam pernyataan resminya kepadaUzone.id .
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Faktanya, sebuah studi terbaru mencatat bahwa 40 persen konsumen di wilayah ini mengaku menggunakan dompet elektronik lebih dari sebelumnya, Malaysia memimpin dalam hal ini.
Di sisi lain, Yeo memandang bahwa uang tunai perlahan-lahan digulingkan sebagai raja karena semakin sedikit orang-orang yang menggunakan uang kertas untuk pembelian atau memperdagangkan barang dan jasa.
Lantas, faktor lain yang menyebabkan Asia Tenggara menjadi lahan subur bagi perbankan digital dan sistem pembayaran online adalah kenyataan bahwa wilayah ini menampung negara-negara dengan populasi muda.
Kaspersky menyatakan bahwa m ereka adalah kaum milenial dan Gen Z yang tidak terbiasa mengunjungi gedung-gedung keuangan secara fisik, mengantri lama untuk mengisi formulir dengan pena dan kertas, seperti yang dilakukan oleh generasi sebelumnya.
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Di Singapura, publik dan sektor swasta juga melakukan kampanye aktif untuk meningkatkan literasi keuangan online dari populasi lansia negara tersebut. Beberapa kelompok mengadakan serangkaian pelatihan untuk mendorong kelompok usia 54 tahun ke atas dalam merangkul aplikasi pembayaran dan dompet elektronik.
Berdasarkan sebuah survei, upaya ini membuahkan hasil karena orang Singapura yang lebih tua sekarang setuju untuk menggunakan alat dan aplikasi jarak jauh untuk melakukan transaksi moneter mereka.