Indonesia Conference Directory

Electronic money or electronic money (E-Money) is money used in internet transactions by electronic means. One of the largest telecommunication provider in Indonesia, named Telkomsel, produced Link Aja (LA) as a micro pay tool. The use of LA itself has been going on since November 2007. But found in an article that states of the many users of LA is only a small number of users who are actively using LA. The purpose of this study is to determine the factors that determine users to become less active of LA among the users in the city of Bandung in 2018. This study uses quantitative methods with descriptive and exploration research types. Techniques of collecting data spread the questionnaire to users who have account but less active in using LA. This study uses non-probability sampling method that is saturated sampling around 105 respondents. Data analysis technique is Factoring Analysis. The results showed that there are 6 factors which caused the decreasing of user activity in transactions using in Bandung (2018). As the results, this research found there are six factors consist of: (1) Security and Limited Discount, (2) Explicit fees, (3) Machine and Update System, (4) Network, (5) Confuse Term and Condition, and (6) Disadvantage of Time and Popularity. The provider should recovery these factors in offering better products and e-money services for users.