- Explain the difference between traditional payment systems and modern digital payment platforms.
Sistem pembayaran tradisional biasanya seperti transfer bank, cek, pembayaran tunai, atau kartu debit/kredit yang diproses oleh bank, visa atau, mastercard.
Sedangkan pembayaran digital seperti Stripe, Paypal, OVO, DANA, Shopeepay dan Gopay biasanya hanya membutuhkan internet dan perangkat mobile, Transaksi juga bisa dilakukan secara real-time hanya membutuhkan Smartphone.
- What are the security risks associated with digital wallets, And how can they be mitigated?
Berberapa resiko umum yang sering terjadi seperti Pishing dan penipuan, Malware, Penggunaan kata sandi yang lemah, penyalahgunaan pihak internal, Cara mengatasi nya dengan menggunkan otentikasi dua faktor dan biometrik, Enkripsi data dalam proses dan disimpan, Batasi akses dan pemantauan aktivitas secara otomatis untuk mendeteksi transaksi mencurigakan.
3.Analyze the bussines model of a digital payment provider of your choice.
Gopay Adalah dompet digital milik Gojek digunakan untuk layanan Gojek, Tokopedia, QRIS, Transfer, dan Tagihan. Sumber pendapatan Gopay berasal dari Biaya transaksi merchant, Kerjasama promosi dengan mitra, Gopaylater, dan GoInvestasi. Target penggunaan Gopay diperuntukan untuk pengguna Gojek, Tokopedia, UMKM, Warung kecil, Milenial, dan Gen Z. Keunggulan Gopay yaitu sudah terintregasi dengan GoTo.
ENGLISH VERSION
- Explain the difference between traditional payment systems and modern digital payment platforms.
Traditional payment systems typically include bank transfers, checks, cash payments, or debit/credit cards processed by banks, Visa, or Mastercard.
In contrast, digital payments such as Stripe, PayPal, OVO, DANA, ShopeePay, and GoPay usually only require internet access and a mobile device. Transactions can also be carried out in real time using just a smartphone.
- What are the security risks associated with digital wallets, And how can they be mitigated?
Some common risks associated with digital payments include phishing and fraud, malware, weak password usage, and internal misuse.
These risks can be mitigated through methods such as two-factor authentication and biometrics, data encryption (both during transmission and storage), access limitations, and automated activity monitoring to detect suspicious transactions.
- Analyze the bussines model of a digital payment provider of your choice.
GoPay is a digital wallet owned by Gojek, used for services like Gojek, Tokopedia, QRIS payments, transfers, and bill payments.
GoPay’s revenue sources include merchant transaction fees, promotional partnerships with partners, GoPayLater, and GoInvestasi.
GoPay is targeted at users of Gojek, Tokopedia, MSMEs, small local shops, millennials, and Gen Z. One of GoPay’s main advantages is that it is integrated within the GoTo ecosystem