ELECTRONIC PAYMENT SYSTEM ARCHITECTURE TO FACILITATE THE USE OF NON-CASH CREDIT BY FARMER

• Main Author: Fata Nurrahman, Muhammad
• Format: Final Project
• Language: Indonesia
• Online Access: https://digilib.itb.ac.id/gdl/view/50182
• Institution: Institut Teknologi Bandung

Financial technology has become a solution to many financial service problems. But, there are several limitations to farmers that the current financial services cannot facilitate, such as the absence of an internet connection, non-cash loans, and the ease of use of services. Currently, a new electronic payment method has emerged by the Apollo company which utilizes credit limits using SMS banking so that borrowers do not need an internet connection and loans are provided in non-cash form. The problems come when the use of SMS banking has some weaknesses in its security and usability factors. SMS method does not have an encryption protocol and the user interface and user experience of the SMS application are not user friendly. In this final project, a Kreditani system is proposed, which is an electronic payment system that utilizes a credit limit based on a web application by utilizing the merchant's device. By using the SACAM method to compare Kreditani with the Apollo system, Kreditani has a better security and usability factor because the communication with the server uses TLS and the user interface and user experience of a web application are mor user friendly.