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E-money is a modern alternative to traditional cash. It offers many benefits in daily life, but it also brings some challenges that need to be solved. E-money makes financial transactions faster, safer, and more convenient because people can pay bills, shop, or transfer money anytime and anywhere without carrying physical cash. However, e-money also creates risks such as cybercrime, data privacy issues, and the exclusion of people who do not have internet access or digital skills. To overcome these problems, digital security must be improved, internet access should be expanded, and people should be educated about how to use e-money safely.

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My Opinion:

Although QR codes are practical and widely used, they are not completely safe. They can be exploited by hackers, cause financial losses, and threaten privacy, so we must always be cautious and make sure the codes we scan come from trusted sources.

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Boosts Economic Speed With faster transactions, the circulation of money in society also increases, making economic activities more dynamic.

Supports Government Cashless Programs

E-money aligns with government policies that encourage digital transactions for efficiency and transparency.

Convenient for Micro Payments E-money is very suitable for small transactions such as public transportation, parking, or daily shopping because it is more practical than using coins.

Encourages Financial Innovation With e-money, many new financial services have emerged, such as cashback, rewards, or discounts, which are not poss ible with cash.

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E-money is a modern payment tool that is practical, fast, and aligned with digital technology development. Its use simplifies transactions, promotes financial inclusion, and ensures transparency since all activities are digitally recorded. However, challenges such as data security and low digital literacy still need to be addressed. With proper regulation and education, E-money can drive the creation of a more efficient and secure cashless society.

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E-money is a modern financial innovation that simplifies transactions, supports the digital economy, and promotes financial inclusion, but it also faces challenges such as security risks and limited digital literacy. Its use makes transactions faster, more practical, and safer without the need for cash, while also driving the growth of e-commerce and expanding financial access for society. However, threats like data breaches, cybercrime, and low digital awareness remain obstacles. Therefore, stronger security, clear regulations, and improved digital literacy are needed so that e-money can be used safely, efficiently, and sustainably.

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based on the text :

• thesis:

E-money is a modern digital payment system that offers convenience, but it also brings challenges such as security risks, accessibility issues, and potential overspending.

• Arguments:

1. Security Risk – E-money systems are vulnerable to cyberattacks and data breaches.

2. Issue – People without smartphones or internet access may be excluded.

3. E-money is useful for online shopping, bill payments, and transportation.

4. Financial Behavior – It may promote overspending because users don’t physically handle cash.

5. Regulation & Control – Many governments regulate e-money to ensure safety and consumer protection.

• Conclusion:

E-money has clear benefits in terms of convenience and speed, but it requires strong security measures, inclusive policies, and user awareness to avoid risks such as exclusion, overspending, and cyber threats

2. Opinions vs. Facts

From the text:

• Opinions

> “I believe that e-money may disadvantage individuals who lack access to smartphones or the internet.”

> “According to me, e-money systems remain vulnerable to cyberattacks and data breaches.”

> “I think relying too heavily on e-money can create difficulties during network failures or power outages.”

> “From my perspective, e-money may increase the risk of overspending, as users do not handle physical cash.”

• Facts

> “Electronic money (e-money) represents a digital form of monetary value stored electronically.”

> “Authorized financial institutions issue electronic money.”

> “E-money can be used for online shopping, bill payments, and transportation.”

> “Many countries regulate e-money to ensure security and consumer protection

> “Mobile wallets, such as GoPay, OVO, and DANA in Indonesia, are examples of e-moneye.”

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In my opinion, e-money has brought convenience and efficiency to various aspects of life, enabling people to conduct digital transactions more quickly and easily. However, we also need to prioritize data security and privacy to avoid the risk of fraud and information misuse. With wise and responsible use, e-money can be a highly useful tool for improving productivity and quality of life.

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Nama:Ni Kadek Ayu Rizky Paramitha

No:25

Kelas:XII 4

Electronic money is a modern, efficient and secure payment solution that supports the development of the digital economy in Indonesia.

Efficiency – Faster transactions, eliminating the need to carry cash.

SecurityReduces the risk of losing physical money because it is stored digitally.Supports financial inclusion People without bank accounts can still conduct digital transactions.

Promotes the digital economy Facilitates online shopping, transportation, and public services.

With its speed, security, and contribution to the development of the digital economy, electronic money is an important innovation that must continue to be developed in the modern era

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Thesis:

E-money is a digital form of money that allows people to make payments and transfer funds electronically.

Argument:

E-money makes transactions faster and more practical because people do not need to bring cash everywhere. It also helps to record every payment, so users can easily track their expenses. Moreover, e-money supports the growth of online shopping and digital services, which are important in today’s economy.

Conclusion:

Therefore, e-money is not only a convenient payment method but also an essential part of modern life. It should be used wisely to give maximum benefits for society.

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In today’s digital era, e-money has transformed how people interact with money. As an electronic alternative to cash, it enables transactions through mobile wallets, banking apps, and contactless cards. Its speed, simplicity, and role in promoting a cashless society show a clear shift toward digital solutions in daily life.

E-money benefits both individuals and businesses. It offers flexibility, security, and convenience, while helping companies reduce costs and expand online. Digital payments also support transparency since records are easily tracked. Yet challenges remain, including cyber risks, data protection, and unequal access to technology, which could worsen economic inequality.

In short, e-money brings efficiency and innovation but also demands careful management. Governments, businesses, and tech providers must ensure it is safe, accessible, and inclusive. With the right safeguards, e-money can support a more modern and equitable financial system.

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Electronic money is a modern payment method that is easier, faster, and safer than cash. Paying for transportation, food, or online shopping simply requires an app or card, saving time and eliminating the risk of losing money. Security features like PINs, encryption, and fingerprints make transactions more secure. Electronic money facilitates alternative payments, making transactions faster and simpler. These services can be used via transfer, QR code, or card swipe. Besides being convenient, electronic money is also more secure and eliminates dependence on physical cash. However, despite its advantages, there are challenges such as the risk of data breaches, limited technological literacy, and dependence on internet access or devices. Therefore, regulation, education, and public support are essential for better, optimal, and beneficial use of electronic money in the digital era.

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Anak Agung Krisna Prama Wicaksana_01_XII 4

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Anak Agung Krisna Prama Wicaksana_01_XII 4

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E-money is one of the innovations in modern payment systems that offers various conveniences. Users no longer need to carry large amounts of cash because transactions can be made simply with a card or smartphone application. This is certainly more practical and efficient, especially in this fast-paced digital era. In addition, e-money is also considered safer because it is equipped with security features such as PINs, OTPs, and biometrics, thereby minimising the risk of losing cash. Furthermore, the use of e-money supports the realisation of a modern cashless society in line with global technological developments. However, the use of e-money also has challenges, such as the risk of misuse of personal data, dependence on internet or electricity connections, and potential additional costs such as administration fees.

In conclusion, despite the obstacles in its use, e-money still offers far greater benefits. With its practicality, safety, and efficiency, e-money is worthy of being one of the primary solutions for transactions in today's digital era.

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E-money offers convenience in today's digital world, but it's vulnerable to cybercrime, potentially leading to financial losses and privacy breaches. Cybercriminals can exploit e-money systems, and scams can trick users into transferring funds incorrectly. E-money's data collection can also compromise personal information. Therefore, while e-money is convenient, caution is essential to avoid its dangers.

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E-money is a financial innovation that provides convenience, speed, and security in transactions, making it increasingly relevant in today’s digital era.

Convenience → users don’t need to carry large amounts of cash, only a card or an app.

Speed → faster transactions, for example in public transportation, shopping, or online services.

Security → reduces the risk of losing cash since the balance is stored digitally, although cyber security issues remain a challenge.

Economic efficiency → helps governments and companies record transactions more transparently.

With all the advantages it offers, e-money becomes a practical and secure solution for transactions. Although there are risks such as data misuse, the benefits outweigh the drawbacks, so e-money deserves to be continuously developed in society.

Bank Indonesia reports that e-money transactions increase every year.

Many public transportation systems (MRT, TransJakarta, etc.) already use e-money as payment.

I believe that e-money is safer than cash.

Using e-money makes life more modern and practical.

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Here’s the analysis of the thesis, arguments, and conclusion about E-money.

Thesis:

The thesis states that while E-money (electronic money) offers many benefits, there are risks associated with its use, such as vulnerability to cyberattacks, data breaches, and the possibility of overspending. Therefore, it is essential to exercise caution when using E-money.

Arguments:

1). Vulnerability to cyberattacks: E-money, like digital wallet apps, can be targeted by cybercriminals. Personal information such as credit card numbers or bank account data can be stolen by hackers. This may result in financial losses and harm the reputation of the E-money service provider.

2). Overspending due to lack of physical control: Since E-money is digital and does not require physical cash, users might find it easier to spend money without realizing the impact. Overspending can happen, especially if users do not keep track of their expenses carefully.

3). Data leakage and privacy risks: E-money collects a significant amount of personal data, which could be a risk if that data falls into the wrong hands. If the E-money provider does not manage this data securely, there could be a data breach that harms users.

Conclusion:

In conclusion, while E-money is convenient and widely used, it’s not always safe. People must be cautious because E-money can be exploited by hackers, lead to financial losses, and endanger personal privacy. By staying cautious, checking sources, and using trusted apps, we can enjoy the benefits of E-money without falling into dangerous traps.

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E-money, or electronic money, is a digital payment system that enables financial transactions without using physical cash, offering convenience, speed, and security for daily payments. With smartphones and internet access, people can easily pay bills, shop online, and transfer funds anytime, supporting a cashless society and reducing the risk of theft or counterfeit money. However, it also raises concerns about data privacy, cybercrime, and the risk of overspending because transactions feel less tangible than cash. In conclusion, e-money provides significant benefits such as efficiency, safety, and financial inclusion, but it requires strong cybersecurity measures and responsible usage to minimize risks. Opinions about e-money include the belief that it is more convenient than cash and that it encourages overspending, while facts show that e-money allows transactions without physical cash and requires an internet connection or electronic devices to function.

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E-money makes payments faster, easier, and safer. People can send money, pay bills, and shop online without carrying cash. It also helps track spending and reduces corruption since transactions leave a digital record. For many people without bank accounts, e-wallets give them a way to store money and join the digital economy.

However, e-money has risks. Cyberattacks and fraud can cause financial losses, and every transaction can be tracked, raising privacy concerns. Not everyone has internet or understands digital payments, which can leave some people behind. Plus, e-money depends on technology, if the system fails, people may not access their money.

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Putu Metta Eka Putri/XI 4

In my opinion, e-money is one of the modern financial innovations that has truly brought significant changes to society. Its presence makes transactions more practical, faster, and more efficient because people no longer need to carry large amounts of cash. By simply using a smartphone or a card, various needs can be met, ranging from shopping, paying bills, and transportation to online transactions. In addition to making life easier, e-money is also safer because it reduces the risk of losing physical money, theft, or circulation of counterfeit currency.

Furthermore, e-money supports the creation of a cashless society that aligns with the development of digital technology. With all the convenience, security, and benefits it offers, I believe that e-money not only makes life more efficient but also helps build a society that is better prepared to face the digital era.

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Thesis
E-money is one of the most useful financial innovations in modern society. It allows people to make payments quickly and easily without carrying a lot of cash. However, while e-money gives many advantages, it also has some negative impacts that cannot be ignored.

Arguments
First of all, e-money makes daily transactions more practical. People can pay for transportation, shopping, or even school fees simply by tapping their card or using an application. This not only saves time but also reduces the need to carry cash everywhere.
Second, e-money contributes to the growth of a cashless society. By using digital payments, the risk of losing money or receiving counterfeit cash can be avoided. It also supports the development of technology and helps create a more efficient economic system.
On the other hand, e-money also has disadvantages. Because it feels easy and instant, many people tend to spend money more carelessly. They might not realize how much they are spending until their balance runs out. In addition, e-money is connected to technology, which means there are risks such as system errors, data theft, or cybercrime that can cause financial losses.

Conclusion
In conclusion, e-money is very helpful and brings many benefits to society, especially in this digital era. Still, it is important for users to be careful and responsible. By using e-money wisely, people can enjoy all of its advantages while avoiding the possible negative effects.

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E-money is highly beneficial as it offers convenience and speed in transactions, reduces the need to carry cash, and supports a cashless lifestyle. However, behind its practicality, e-money also carries significant risks such as cybersecurity threats, the potential for overspending due to ease of payment, and accessibility issues for those who do not have smartphones or internet connections. Therefore, although e-money is an important advancement in the modern payment system, users must remain vigilant about the existing risks, and strong regulation from the government is needed to protect consumers and ensure e-money can be accessed equitably and safely.

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E-money has become one of the most important financial tools in today’s digital society because it makes transactions faster, safer, and more practical compared to cash. Recent studies in Indonesia show that the use of mobile wallets such as GoPay, OVO, and DANA has grown rapidly, especially after the COVID-19 pandemic, when people preferred contactless payments for safety reasons. This proves that e-money is not just a trend but also a response to modern lifestyle demands. However, challenges still exist. People in rural areas often struggle to access reliable internet or smartphones, which creates a digital divide. Moreover, cybersecurity issues remain a serious concern, as cases of data breaches and online scams show that digital money is not completely risk-free. Psychologists also argue that paying with e-money may reduce people’s awareness of their spending, leading to overspending habits. Despite these problems, governments and financial institutions continue to improve regulations and security systems to make e-money more inclusive and reliable. Therefore, it can be concluded that e-money is a highly relevant innovation for today’s world, but it must be developed responsibly to ensure that all members of society can benefit from it without being exposed to unnecessary risks.

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In my opinion, electronic money is a positive innovation in modern payment systems because it is more practical, faster, and safer than cash. It also supports the creation of a cashless society and facilitates transactions in various sectors. However, while electronic money offers various conveniences, it is important for users to remain wise and vigilant about digital security risks, such as data leaks or account theft. With intelligent and careful use, electronic money can be a very useful tool in supporting a modern lifestyle.

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I Gede Satriya Mahesa Pramana Putra (11) 

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I Gede Satriya Mahesa Pramana Putra (11) 

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E-money, or electronic money, has become an essential innovation in the digital era, offering a more efficient and convenient way to handle financial transactions. Unlike cash, e-money allows users to pay instantly through mobile applications or cards, making purchases and payments faster and easier. It also reduces the need to carry physical money, minimizing the risk of theft or loss. Moreover, e-money systems are supported by advanced security technologies such as encryption and multi-factor authentication, ensuring safer financial activities. This digital payment method also aligns with the government’s efforts to build a cashless society that improves transparency and economic efficiency. Despite challenges like internet dependency and the risk of cybercrime, e-money remains a crucial step toward a modern, secure, and efficient financial ecosystem.

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Nama: Ni Made Pina Puspa Sari

No: 33

Kelas: XII 4

Opinion about E-Money

Thesis:

I believe that e-money is an essential tool for modern society because it makes financial transactions faster, safer, and more practical.

Arguments:

Convenience – People can pay bills, transfer money, or shop online anytime without carrying cash.

Security – Compared to cash, e-money reduces the risk of theft and loss. Most platforms also provide PINs or biometric verification.

Efficiency – Transactions using e-money are usually processed in seconds, which saves time for both buyers and sellers.

Eco-friendly – By reducing paper money usage, e-money supports a more sustainable lifestyle.

Conclusion:

In conclusion, e-money is not only a technological innovation but also a necessity in today’s digital era. Its advantages outweigh the disadvantages, and society should adapt to use it wisely.

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Electronic money facilitates alternative payments, making them faster and simpler. Furthermore, it can be used through transfers, QR codes, and card swipes. Besides being practical, electronic money is also more secure and eliminates the need for physical cash. However, behind all this, there are risks such as limited technological literacy, and not everyone can use cards or mobile phones. Furthermore, electronic money encourages financial inclusion by providing access to services. This requires public support and greater security to be optimal and beneficial for all.

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In my opinion, e-money has become an important part of modern life because it makes financial transactions much faster and more convenient. People can pay for goods, transfer money, or even shop online without carrying cash, which also reduces the risk of losing money physically. At the same time, I realize that e-money is not always safe since hackers and scammers may try to steal personal data or trick users through fake links and applications. Technical problems, such as system errors, can also interrupt transactions and cause frustration. Therefore, I believe e-money is very beneficial, but it should be used with caution. By protecting personal information, using only trusted platforms, and managing spending wisely, people can enjoy the advantages of e-money while avoiding possible risks.

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[E-money is one of the efficient solutions in financial transactions]

Thesis

In my opinion, e-money is a modern and efficient way to make financial transactions. E-money offers speed, convenience, and also security that cash does not always provide. Choosing e-money is the right step because it saves time and supports today’s digital lifestyle.

Argumen

The supporting facts are, first, transactions with e-money are much faster because they only take a few seconds through QR scans or apps like GoPay, OVO, and DANA. Second, e-money is very practical because users do not need to carry a lot of cash, which reduces the risk of losing money. Third, the use of e-money is becoming wider, as proven by Bank Indonesia data showing that e-money transactions increase every year. Fourth, most e-money apps are already equipped with security features such as PINs, biometrics, and verification systems.

However, I also realize that not everyone can easily adapt to digital transactions. Many people still feel more comfortable using cash. In addition, e-money also carries risks such as data leaks or account hacking, so users must be careful.

Conclusion

Therefore, I believe that e-money is still an effective and efficient solution for transactions, especially for the younger generation who are used to technology. With wise and careful use, e-money can make our lives more comfortable, practical, and reduce the risk of losing cash.

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E-money is practical because it makes payments faster and easier than cash, and it is safer since people do not need to carry large amounts of money. However, it still has risks because hackers can steal personal data, and not everyone can access it without smartphones or internet. E-money also records every transaction, which may threaten privacy. Some people believe it is safer than cash, while others think it will eventually replace physical money completely.

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Thesis:

In the era of digitalization, society cannot be separated from the use of technology that makes daily life easier. Technology, which initially only served to shorten communication, has now developed to also support transaction systems such as electronic money (e-money). E-money helps people in both nearby and distant transactions. As a result, e-money has become inseparable from global society and plays an important role in today’s transactions.

Arguments:

The advantages of using e-money in transactions today are as follows:

First, e-money helps simplify payments for nearby transactions, such as when shopping at supermarkets or malls. It makes the process more efficient by reducing the time spent taking out cash and minimizing errors in counting money during payments, making it faster and more effective.

Second, e-money also makes long-distance payments easier, such as when buying goods online, where we can pay via transfer using QR codes or mobile banking, saving both time and distance.

And third, those who do not use e-money tend to carry larger amounts of cash, which can make them easy targets for criminals. By contrast, using e-money provides more security since it comes with features like PINs or passwords, digital encryption, and transaction records that can be tracked if problems or losses occur.

Conclusion:

The existence of e-money proves that today’s transactions are easier, faster, not limited by distance, and more secure thanks to built-in features that protect users’ accounts while also making it easier to trace in case of issues.

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E-money is a modern payment method that's simple, fast, and secure compared to cash. Pay for transportation, meals, or online shopping simply through an app or card, saving time and eliminating the risk of losing money. With security features like PINs, encryption, and fingerprints, transactions are more secure. While challenges such as the risk of data leaks or internet signal leaks persist, with the right regulations and education, e-money can become a primary payment option in the digital age.

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E-money, or electronic money, is a modern payment system that offers practical, fast, and secure transactions compared to traditional cash. It simplifies daily activities such as paying for transportation, food, and online shopping by allowing users to make payments through mobile apps or cards, saving time and reducing the risk of losing physical money. With advanced security features like PINs, encryption, and biometric verification, e-money ensures safer transactions. It also supports the government’s goal of creating a cashless society that promotes economic efficiency and transparency. Although challenges like data security risks, limited digital literacy, and dependence on internet connectivity remain, with proper education and regulation, e-money can become the primary payment method in the digital era and contribute to building a more efficient and secure financial system.

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E-money is an important innovation in modern payment systems because it provides convenience and efficiency in transactions. Its use allows people to make payments quickly without carrying cash, offers more security by reducing the risk of loss or theft, and supports the growth of the digital economy, especially in the increasing number of online transactions. Therefore, e-money is an effective and relevant payment solution today.

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E-money is more flexible then cash payment method. E-money has significant potential to enhance financial inclusion and economic growth, but its benefits depend on effective regulation, infrastructure development, and user education. While it offers benefits such as increased access to financial services and reduced transaction costs, e-money also poses risks like cybersecurity threats and financial instability. Therefore, a balanced regulatory approach is needed to promote innovation and mitigate risks. With proper implementation, e-money can be a powerful tool for promoting financial inclusion and economic growth.*E-Money: Enhancing Financial Inclusion and Economic Growth* E-money has significant potential to enhance financial inclusion and economic growth, but its benefits depend on effective regulation, infrastructure development, and user education. While it offers benefits such as increased access to financial services and reduced transaction costs, e-money also poses risks like cybersecurity threats and financial instability. Therefore, a balanced regulatory approach is needed to promote innovation and mitigate risks. With proper implementation, e-money can be a powerful tool for promoting financial inclusion and economic growth.

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Thesis

Nowadays, digital transactions are widely used in society. They provide convenience and practicality for the public. However, alongside these benefits, several problems have also emerged with the rise of digital transactions.

Argument

First, dependence on e-money can change how people manage their finances. Because money is not physically visible in digital transactions, it feels less real a phenomenon called the cashless effect. This makes people more likely to spend carelessly, which in the long term reduces financial awareness and encourages wasteful habits.

Second, not everyone can use e-money easily. Younger generations adapt quickly, while older people and rural communities often struggle. This creates a gap between those who are digitally literate and those who are not. Small traders in traditional markets may also be disadvantaged since not all can accept digital payments. From an economic perspective, e-money is practical, but it also carries risks. Power outages, network failures, or hacking can disrupt transactions. Moreover, without internet access, payments cannot be completed.

Conclusion

In conclusion, e-money provides many benefits, but excessive reliance also causes problems. Psychologically, it can encourage wasteful spending. Socially, it widens the digital gap. Economically, it brings risks of outages and security breaches. Therefore, people should use e-money wisely, while the government strengthens regulations, security, and education so that its benefits are shared fairly.

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Thesis:

E-money is money in digital form used to make cashless transactions. Usually, e-money is stored on cards or mobile applications, such as digital wallet apps like GoPay, Dana, OVO, and others.

Argument:

E-money provides many positive benefits for its users. One of the most noticeable advantages is that it makes the payment process faster, so there’s no need to count cash or wait for change. E-money also makes transactions easier in various situations, whether shopping directly at a store or making payments online. In terms of security, I think e-money is safer because it reduces the risk of losing cash or being robbed. Moreover, all transactions are recorded digitally, which makes them more transparent and helps me manage my finances better and avoid mistakes in tracking expenses. With all these advantages, I believe e-money is a practical payment solution that is very helpful in daily life.

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As technology becomes more digital, we need to use it in our lives, like for everyday payments. E-money, which is a digital way to pay, is something most of us know about.

In my opinion e-money makes daily transactions easier because you don't need cash; you can just use a card or your phone. Paying with e-money is usually faster and more efficient too. Plus, your e-money transactions are recorded online, so it's easy to keep track of what you spend.

E-money has lots of good things about it, but it's important to know the risks so we can use it safely and wisely.

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In my opinion, e-money makes transactions more practical and efficient because we only need to scan or tap without carrying a lot of cash. It also helps us save time in daily activities such as shopping or paying bills. However, e-money still depends on internet access and can be risky if there are system errors. Therefore, people should use e-money wisely so that we can enjoy the convenience while minimizing the risks.

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In my opinion, using e-money is a modern step that greatly helps people with transactions, as it offers practicality, time efficiency, and reduces reliance on cash, which is often cumbersome. With e-money, we don't need to carry large amounts of cash that are at risk of being lost or stolen. Furthermore, e-money also encourages a cashless lifestyle, which is safer and in line with developments in digital technology.

E-money can reduce cash management costs. According to Bank Indonesia (BI) data, the costs of printing, distributing, and maintaining banknotes can be reduced with a digital transaction system.Combined with these facts, it's clear that e-money is not just a trend, but a necessity in the digital age. While challenges such as limited internet access and the risk of data breaches persist, the benefits offered far outweigh the potential for a modern, inclusive and efficient financial system.

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E-money, or electronic money, represents a digital form of currency stored electronically and used for transactions. In my opinion, e-money offers both notable advantages and disadvantages. The advantages of e-money is provides a convenient way to make payments, particularly for online transactions, reducing the need to carry physical cash. But, the disvantages of e-money is the systems susceptible to cyber threats, including hacking and so on, wich could lead to financial losses.

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Transactions are a common activity in our daily lives. In the past, transactions were conducted through a barter system, which involved directly exchanging goods or services. Over time, humans developed money as a more practical means of transaction. However, cash has drawbacks, such as being easily damaged and potentially spreading disease. Therefore, electronic money (e-money) was born as a more efficient, secure, and practical means of transaction. In Indonesia, many e-money services exist, such as Sakuku (BCA), LinkAja, TapCash (BNI), GoPay, DANA, OVO, and others. Now, many shopping centers even prioritize e-money transactions.

First, e-money simplifies transactions because it allows users to shop without carrying cash, making it more practical and faster.

Second, transactions using e-money are safer because they don't involve physical cash, which is prone to loss or theft. Furthermore, e-money is equipped with authentication such as PINs and biometrics.

Third, e-money is very flexible because it can be used for various types of payments, from transportation, shopping, and other digital services.

Fourth, electronic money service providers often offer promotions, discounts, and cashback that can save users money.

Finally, e-money promotes financial inclusion by enabling unbanked individuals to still access digital financial services. With just a smartphone, anyone can make transactions, including those living in remote areas.

In conclusion, from bartering to cash, transactions have now advanced with the advent of e-money, which is more practical, secure, flexible, and efficient. Coupled with attractive promotions and its ability to reach unbanked communities, e-money is gaining popularity in Indonesia. Therefore, the use of e-money should continue to be developed to further facilitate transactions in the digital era.

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In my opinion, e-money brings many important benefits to modern society. It makes financial transactions faster, easier, and more practical compared to using traditional cash. By using e-money, people no longer need to carry large amounts of cash, which helps reduce the risk of loss, theft, or human error when making payments. E-money also simplifies daily activities, such as paying for transportation, shopping, and various services, because everything can be completed within seconds just by tapping or scanning. In addition, e-money plays a significant role in supporting efficiency and promoting the growth of the digital economy. It encourages people to adapt to technological developments, increases financial inclusion, and creates a more modern lifestyle that is in line with the needs of today’s society.

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In digital era, electronic money (e-money) has become an essential tool for financial transactions. It offers a modern alternative to cash and provides people with easier access to financial services.

Firstly, e-money makes transactions more efficient. People can pay bills, shop online, or transfer money instantly without the need to visit banks or carry physical cash. This saves both time and energy. Secondly, e-money increases safety and security. Carrying cash can be risky because of theft or loss, while e-money systems use encryption, PINs, and verification methods that reduce the chance of fraud. As society moves further into the digital age, the use of e-money will continue to grow and benefit people in their daily lives.

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Thesis

E-money is a transformative financial innovation that, enhancing transaction efficiency, and providing improved security, is crucial for fostering sustainable economic growth and development, particularly in emerging markets.

Argument

first, E-money is a transformative financial innovation that, enhancing transaction efficiency, and providing improved security, is crucial for fostering sustainable economic growth and development, particularly in emerging markets.

seccond, money transactions provide a higher level of security and transparency compared to cash. While cash is anonymous and easily lost or stolen, e-money systems utilize advanced security measures like encryption, multi-factor authentication, and fraud detection. The digital trail created by e-money transactions provides a clear record, making it easier to trace and recover funds in case of theft or fraud. This transparency not only protects individual users but also helps governments combat illicit financial activities and improve tax collection, moving the economy from informal to formal sectors.

Conclusion

In conclusion, the widespread adoption of e-money is a pivotal step toward building more inclusive, efficient, and secure economies. The evidence demonstrates that by bringing the unbanked into the formal financial system, accelerating transactions for both businesses and individuals, and offering robust security features, e-money serves as a powerful engine for economic growth. As the digital economy continues to evolve, embracing e-money is not merely a matter of convenience; it is a fundamental requirement for creating a more equitable and prosperous future for all.

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E-money provides a faster, more convenient, and safer alternative to cash, making it essential for modern financial transactions. It allows instant payments without the need for physical currency, reducing the risks of theft and loss, while also supporting online shopping and digital services that make daily transactions more efficient. Furthermore, e-money promotes financial inclusion by giving people in remote areas access to banking-like services through mobile technology. e-money is not only a practical innovation but also a key step toward a more accessible and secure financial system, supporting economic growth in the digital era.

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Thesis

In the current world, technology is experiencing very rapid progress, one of which is technological progress in the field of payment systems. E-money is a digital form of electronic payment (electronic money) whose value is stored in certain electronic media, such as cards or applications on smartphones, which are used for non-cash transactions. Even though it offers efficiency and modernization, the massive adoption of e-money presents serious challenges related to issues of accessibility in remote areas, digital literacy for the elderly, as well as security risks that have the potential to widen the socio-economic gap.

Argument

The e-money-based payment system has fundamental shortcomings, including the risk of losing your balance if the physical card is lost, because it is difficult to trace. Total dependence on signals and infrastructure (payment machines, electricity) makes transactions vulnerable to disruption, especially in areas with unstable internet networks. Apart from that, the ease of non-cash transactions psychologically has the potential to encourage excessive consumer behavior. Lastly, e-money remains vulnerable to cyber threats and fraud (phishing), requiring high digital vigilance from its users.

The accelerated adoption of e-money creates a significant digital divide due to complete dependence on infrastructure. People in areas with minimal signal and electricity are automatically excluded from this system, which in my view directly worsens economic inequality. The facts show that there are still many areas that do not have adequate internet access. The biggest challenge lies in the elderly group who face great difficulties in adopting technology, they may not have smartphones or are worried about cyber security. Based on the APJII internet penetration survey in 2024, of the total population, there are still around 57 million people (around 20.5% of the population) of Indonesia's population who have not been touched by the internet (data as of January 2024). In my view, this hasty digitalization isolates seniors from everyday transactions, forces them to depend on others, and makes smart device ownership a financial burden and a barrier to inclusivity.

Conclusion

The development and adoption of e-money in Indonesia has brought great benefits in terms of efficiency and modernization of the payment system. However, based on strengthened counter-arguments, it is clear that this progress is not equally inclusive, and even has the potential to create social and economic isolation. Dependence on technological infrastructure, cyber security risks, and the potential for excessive consumption, coupled with fundamental problems of accessibility in remote areas and digital literacy gaps among the elderly, show that the e-money system still has serious challenges.

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E-money makes financial transactions easier because it is practical, efficient, safer, and encourages financial inclusion. However, behind these benefits, there are challenges such as the risk of digital fraud and limited technological literacy. Therefore, the use of e-money needs to be supported by stronger security systems and improved public understanding so that it can be truly optimal and widely beneficial.

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E-Money: A Practical Solution for Modern Transactions

Thesis:

In our daily lives, the convenience of technology can now be accessed anytime and anywhere. E-money is present to provide ease so that buying and selling transactions can be carried out more efficiently. E-money is a digital form of currency and an electronic payment method that allows users to make cashless transactions for purchases, payments, and transfers without using physical cash. E-money can take the form of digital banking, QRIS, pay-later services, and others.

Arguments:

1. Convenience and practicality: With e-money, transactions become easier because of its digital system. Users only need to access their digital devices such as mobile phones, tablets, PCs, or other devices. Then, they simply transfer a certain amount of money to the designated account or e-money platform for payment. With 2 analyses:

Payments also become highly accurate, since no change is required. This is different when using cash, that sometimes specific payment amounts create difficulties in giving change. You can observe this around you for instance, when you use Rupiah cash to pay for an item valued under 1.000 Rupiah, chances are you will not get proper change, and instead, the cashier might give candy as a substitute due to the limited availability of small denominations. Technically, this is not allowed.

Payments can be made from a distance and accessed across all platforms. Because the system is digital, devices connected to the internet can transfer money in any amount over unlimited distances as long as internet access is available. E-money is also accessible across various banks or e-money platforms. This convenience is often seen when shopping online, eliminating the concerns of waiting for packages as in COD transactions.

2. Strong security: E-money is stored electronically in a system that is difficult to hack, with multiple security layers such as PIN or authorization. The risk of losing cash is reduced, balances can potentially be recovered if a device is lost, and expense tracking helps manage finances. Moreover, regulations and a well structured ecosystem make e-money a reliable payment method. Compared to cash, e-money can be considered safer, as physical money is vulnerable to damage and is difficult to manage in large amounts.

Conclusion: E-money is stored electronically in a system that is difficult to hack, with multiple security layers such as PINs or authorization. The risk of losing cash is reduced, balances can potentially be recovered if a device is lost, and expense tracking helps manage finances. Moreover, regulations and a well structured ecosystem make e-money a reliable payment method. Compared to cash, e-money can be considered safer, as physical money is vulnerable to damage and is difficult to manage in large amounts.

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In my opinion E-money makes transactions faster, safer, and more convenient than cash. It also promotes financial inclusion by giving access to people without bank accounts. Although there are risks like cybercrime, the benefits of e-money outweigh the drawbacks when supported by good security.

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I believe e-money is extremely beneficial for daily life. Its key advantage lies in the practicality and speed of transactions, eliminating the need for users to carry cash or count change, as payments are made instantly, often with just a tap or scan. This significantly boosts time efficiency. E-money also offers the benefit of enhanced security, reducing the risk of robbery or cash loss, while providing the convenience of automatic digital financial recording to help users manage their budgets effectively. Furthermore, e-money increases transparency, making it easier to prevent and trackillegal financial activities like corruption or money laundering. Consequently, e-money is highly useful and valuable in creating a payment system that is more efficient, inclusive, and secure.

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E-money is really useful because it makes life easier. We don’t need to carry cash anymore, and we can pay for almost everything, like shopping, bills, or transportation, just from our phones. I also think it feels safer since every transaction is recorded, so we can track our spending more easily.

But for me, e-money is not always perfect. I believe there are still risks, like hackers stealing data, problems when the internet is down, or people spending too much without realizing it. Sometimes, relying only on e-money can also be stressful if the system suddenly fails.

So, in conclusion, I personally feel e-money is very helpful and practical, but it’s important to use it wisely. We should always be careful, control our spending, and make sure we use trusted apps so we can enjoy the benefits without worrying too much about the risks.

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E-money can be considered a practical and relevant payment method in the digital era. Its use offers many advantages, including convenience and efficiency in transactions without the need to carry cash, as well as greater security by reducing the risks of loss, theft, and counterfeit money circulation. In addition, e-money simplifies financial recording through automatic transaction logs, promotes the realization of a modern cashless society, and helps small and medium enterprises (SMEs) accept non-cash payments, thereby expanding their market reach.

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Electronic money (e-money) is a form of digital payment stored on electronic devices such as smartphones, prepaid cards, or online wallets. It works by transferring value electronically, making transactions faster and more convenient.

In my opinion, e-money has many benefits. First, it's very practical because people can make payments anytime and anywhere without having to carry cash. Second, e-money supports faster transactions, which are very useful in today's digital lifestyle, such as paying for transportation, online shopping, or ordering food delivery. Finally, e-money makes it easier to track expenses because every transaction is recorded, making it easier to manage personal finances.

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Thesis

QR codes are one of the digital innovations that bring convenience and practicality in daily life. However, behind these benefits lies a hidden danger that is often overlooked by society.

Arguments

1. Convenience That Carries Risks

QR codes are often considered safe and practical, but precisely because of their simplicity, many people scan them without thinking twice. This creates opportunities for digital crimes.

2. Fraud and Financial Risks

A real threat is the creation of fake QR codes. Scams through QR codes can cause financial losses, such as redirecting payments to a scammer’s account.

3. Privacy at Risk

Beyond financial loss, QR codes also have the potential to leak personal data. Threats to privacy are logical and highly relevant in today’s digital era, where cybercrime is becoming increasingly sophisticated.

4. The Importance of Awareness and Mitigation

The discussion on QR code risks reminds us to be more cautious. By presenting real threats and offering preventive advice, this information is not only informative but also beneficial as a mitigation effort, particularly in the financial sector.

Conclusion

Although QR codes provide convenience, users must remain cautious of potential dangers such as fraud, financial loss, and privacy threats. Therefore, awareness and vigilance are the keys to ensuring that digital technology can be used safely and effectively.

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From my perspective, e-money is a practical buddy in today’s fast-paced world, with just one tap or click, your transaction is done in seconds without the long wait. No more hassle of carrying a thick wallet full of cash, because everything you need can be handled with just one card or an app on your phone. This makes shopping, paying for transport, or doing online transactions so much easier and it’s not just about convenience e-money also feels safer, since every expense is recorded automatically. That way, you can feel more at ease while keeping your daily finances in check.

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E-money has revolutionized transactions, offering speed and ease for everything from tolls to online shopping. It eliminates cash hassles, provides clear transaction records, and boosts online commerce. However, it's not without its drawbacks. Security threats like hacking persist, infrastructure limitations can disrupt services, and digital inclusion remains a significant hurdle for many. In my opinion, while e-money is an undeniable step forward, its full potential hinges on robust security, reliable infrastructure, and widespread digital literacy. Governments and providers must prioritize these aspects, and users must remain vigilant. Only then can e-money truly drive equitable economic growth.

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E-money or electronic money is a form of money that is stored digitally and used to carry out transactions electronically without the need to use physical cash. Examples include balances in digital wallet applications, prepaid cards, or online accounts that can be used to buy goods, pay for services, or transfer money. E-money makes transactions easier because it is fast, practical, and can be done anytime and anywhere as long as there is an internet connection or network that supports it. However, its use also requires an electronic device such as a smartphone or computer and access to a digital network I think electronic money makes it easier when shopping online, shopping for food etc

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Looking back from my experience, e-money makes payments fast and convenient, letting me shop or transfer funds anytime without carrying cash. It offers better security than physical money because stolen cards or apps can be blocked, and transactions are recorded for proof. E-money also supports a cashless economy, reducing printing costs and helping businesses work more efficiently. Overall, it saves time, increases safety, and fits modern lifestyles.

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In My Opinion on E-money :

E - Money is a modern payment system that brings convenience and efficiency in everyday life. It offers several advantages, such as reducing the need for cash, speeding up transactions, and providing easy access through smartphones. In addition, many e-money platforms give discounts or rewards that benefit users.

On the other hand, there are also disadvantages. One major issue is the risk of technical errors or system downtime that can interrupt transactions. Security is another concern, since e-money can be targeted by cybercrime or data theft. Moreover, using e-money too often may lead people to overspend without realizing it.

In conclusion, e-money is a useful tool that can improve the way people manage financial transactions. Nevertheless, users must stay cautious and responsible to avoid the risks. With proper security systems and regulations, e-money can be both safe and beneficial for society.

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In my opinion, e-money is electronic or digital money stored in electronic devices or systems. The presence of e-money makes transactions faster and more efficient, reduces the risk of losing cash, supports a modern lifestyle, and helps users track their expenses through the transaction history available in the application.

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e-money is very useful for everyday life, transactions become easier and simpler, the way to top up the balance is also easy, but there are several disadvantages to using e-money, such as if the internet is lost it is difficult to access, as well as less secure cyber security, because it is very vulnerable to losing the balance on this transaction tool.

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In my opinion, e-money is a very positive development for modern economies. This is because e-money fits with the digital changes happening all around the world. With e-money, people can make payments faster and more easily without carrying physical cash. This makes life more efficient, reduces the risk of losing money, and also helps banks and governments save costs on printing and distributing paper money. Moreover, e-money allows more people to join the digital economy, even those who do not have a traditional bank account, since they can use mobile apps or cards to store and spend money. Overall, e-money offers many benefits such as convenience, security, efficiency, and inclusivity, making it an important step forward in building a modern digital society.

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E-money is one of the most practical innovations in today’s financial system. It makes transactions much faster and easier because we don’t have to carry a lot of cash around. With just a smartphone or a card, people can pay for almost anything from groceries to transportation within seconds. This efficiency saves time and reduces the risks of losing money physically.

But, I think e-money has its downsides. Not everyone has equal access to the internet or digital devices, so it can create a gap between those who are “digitally literate” and those who are not. There are also concerns about security, since online systems can be vulnerable to hacking or scams if users are not careful, and e-money can weaken transactions with cash, and over time if we continue to use digital applications for transactions, cash can disappear.

If the government continues to improve security systems and accessibility, e-money can be a reliable tool that makes our daily life more convenient.

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E-money has become an essential part of modern financial transactions because it offers speed, convenience, and security. Unlike cash, which can be lost or stolen, electronic money allows users to pay quickly through mobile applications or cards, making daily activities more efficient. Many people also prefer e-money because of promotions such as discounts and cashback, which provide additional benefits. Although some challenges remain, such as internet access and data security, the advantages of e-money show that it is an important tool to support the growth of a digital economy.

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I believe e-money is a highly practical modern payment tool, especially for online shopping and transportation. However, it's crucial to acknowledge the negative aspects raised in the image, particularly the issue of inclusion for those without smartphones or internet, as well as thecybersecurity risks The balance between ease of use and consumer protection must be the main focus in the future development and regulation of e-money

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E-money or electronic money is a digital payment instrument, where the value of the money is stored in electronic media, such as cards or servers. To use it, you need to deposit money first with the issuer (for example, a bank or service provider), which will then be stored as electronic data. In my opinion, using e-money is not necessarily as practical as people say because people who are used to using e-money rarely carry cash, and that will certainly cause difficulties because some shopping places can only be paid using cash, and also if we forget our e-money security password or lose our credit card, that will also be a big loss because our money is stored in it.

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Today, cashless transactions are no longer optional, they are part of everyday life. From city centers to small towns, people are paying with QR codes, mobile apps, and e-wallets. This is the current reality, and it shows why e-money deserves to be seen as the future of finance. It brings efficiency, expands financial access, and matches the pace of digital change.

E-money is more efficient than traditional banking. Transactions are quick, low-cost, and accessible without paperwork or long queues. Beyond that, it promotes financial inclusion. Millions of unbanked people can participate in the economy with just a smartphone. Finally, e-money reflects the lifestyle of younger generations and the progress of fintech. With innovations that include payments, investments, and lending in one platform, e-money is already proving its relevance.

In conclusion, e-money is not simply an alternative but the natural evolution of finance. By choosing e-money, societies are choosing a system that is faster, more inclusive, and better suited for the future.

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In my opinion, use of e-money because it makes financial transactions faster, safer, and more efficient. With e-money, people do not need to carry large amounts of cash, which reduces the risk of theft or loss. It also saves time since payments can be made instantly with just a smartphone or card. In today’s digital era, e-money is not just a convenience but also a step toward a more advanced and cashless society.

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In my opinion, e-money is a form of payment innovation in the digital era that offers various benefits and conveniences for the public, while also opening up opportunities for MSMEs and national economic growth. However, e-money also faces challenges that must be addressed with appropriate regulations and policies, as well as the readiness and cooperation of all parties, including the Central Bank, e-money providers, and the public. Thus, e-money can become a safe and efficient payment instrument in the digital era.

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E-money offers many conveniences in everyday life because it allows us to make transactions without having to carry cash, simply using a card or a mobile app. For routine activities like paying tolls, public transportation fares, shopping at convenience stores, or ordering food online, e-money makes the payment process faster and more convenient, saving time and reducing queues. Its advantages in the transaction sector are also significant: every payment is automatically recorded, making financial management easier, reducing the risk of counterfeit money, and safer than carrying cash, which is vulnerable to loss or theft. Furthermore, many e-money providers offer cashback promotions or discounts, so in addition to efficiency and security, users can also gain additional economic benefits.

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E-money is a digital or prepaid payment instrument that stores monetary value electronically on media such as cards or applications, and is used to carry out transactions without cash. In my opinion, e-money represents a positive advancement in the payment and financial system. In today’s digital era with high mobility, carrying large amounts of cash is not an ideal option. In fact, e-money is also recognized as a legal means of payment according to regulations in Indonesia.

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Electronic money is a form of digital payment such as GOPAY, OVO, and DANA. Electronic money facilitates transactions because payments can be made using only a mobile phone without the need to carry cash.

However, despite its convenience, electronic money carries risks such as vulnerability to cyber attacks and privacy threats. Personal data can be collected or misused.

In my opinion, although electronic money is convenient, the electronic money system remains vulnerable to cyber attacks and data breaches.

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Thesis

In my opinion, E-money is the result of innovation from technological developments that bring a digital payment system, making it easier for people to transact. In fact, digital payments are already accepted in many places, such as supermarkets, transportation, and other services.

Arguments

The positive impacts of E-money are numerous and significant.

First, E-money makes transactions faster and easier because people can conveniently pay using their phones without needing to carry cash. This convenience reduces queue times and speeds up everyday purchases. According to data from Bank Indonesia (BI) as of July 2025, digital transactions have shown significant growth, with the volume of mobile and internet application transactions reaching 4.44 billion transactions, growing 45.3% year-on-year (YoY).

Second, E-money enhances transparency and financial control. Since every transaction is digitally recorded, users can track their expenses more effectively, helping in managing budgets and personal finances.

Third, E-money helps reduce risks associated with using cash, such as theft, loss, or counterfeit money, making transactions safer for consumers and businesses.

From an economic perspective, E-money drives technological innovation and digital economic growth. It enables businesses to operate more efficiently and opens opportunities for new financial services and products.

Conclusion

Overall, the adoption of E-money brings convenience, security, transparency, and economic growth, all of which positively impact individuals and society at large.

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In my opinion, e-money is a very useful payment method in today’s society. It makes transactions faster and more practical because we don’t have to carry a lot of cash or wait for change. I also think it is safer, since the risk of losing money is smaller, and every transaction is recorded automatically, which helps us control our spending. Moreover, e-money supports the growth of a cashless society and prepares people to adapt to a more digital and efficient lifestyle in the future. For these reasons, I believe e-money brings many advantages and should continue to be developed.

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I believe e-money is very important today because it makes our daily life easier and more practical. By using e-money, people can pay for transportation, shopping, or food without carrying cash. It also reduces the risk of losing money or getting robbed since everything is stored digitally. Another benefit is that e-money can be used anytime and anywhere, as long as there is an internet connection. Although it still depends on technology, the convenience, safety, and speed of e-money make it one of the best financial tools in modern life.

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In my opinion, using e-money brings many advantages in daily life. It makes transactions faster and more practical because people no longer need to carry a large amount of cash. At the same time, it reduces the risk of losing money since most e-money services provide security systems like PINs or OTPs. E-money also supports the government’s program to build a cashless society, where every transaction is recorded and more transparent. Moreover, it is environmentally friendly because it decreases the need to print physical money. By making payments easier, e-money helps the economy grow faster, especially for small businesses that can receive digital payments more conveniently. Finally, it promotes financial inclusion, allowing people who do not even have a bank account to still access modern and secure financial services.

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In digital era, electronic money (e-money) has become an essential tool for financial transactions. It offers a modern alternative to cash and provides people with easier access to financial services. While brings many advantages, e-money also has some disadvantages that need to be considered.

On the positive side, e-money makes transactions faster and more practical. People can pay bills, shop online, and transfer money without carrying cash. It is also safer because it reduces the risk of theft and often includes security features like passwords or biometrics. However, e-money also has weaknesses. Not everyone has access to smartphones or the internet, so it can create inequality. In addition, system errors, hacking, or technical problems may cause financial losses for users. So, society should use e-money wisely and ensure proper protections are in place.

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Luh Gede Kirana Nareswari Dikananda (18) 

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Luh Gede Kirana Nareswari Dikananda (18) 

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In my opinion, e-money has truly made our various activities much easier, both for shopping and other transactions. The existence of e-money makes the entire payment process far more concise and fast.

We no longer have the hassle of rummaging

through our wallets to find exact change or

wasting time waiting for it.

Furthermore, e-money is very helpful in practical situations, for example, when we are carrying a lot of groceries. A payment process that only requires a single tap or scan is certainly much more efficient than having to put our items down just to get cash. This isn't just about speed, but also about convenience and effectiveness in daily life.

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E-money is electronic money, namely a payment tool that is stored in electronic media (such as cards, applications, or chips).In my opinion, e-money is very useful in making it easier for us to make transactions without cash. When we forget to bring our wallet, we can still pay via electronic media and of course it is practical and easy to see the transaction history.

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Argument about E-Money:

E-money makes transactions easier because it is practical, fast, and reduces the need to carry cash, making it safer from the risk of loss. It also supports an efficient digital payment system in the modern era. However, challenges remain in terms of data security and potential misuse if not properly managed.

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E-money, or electronic money, is a non-cash payment method where the monetary value is stored electronically, typically on a card or smartphone app, E-money represents a stored value of funds that users deposit with the issuer, which can then be used for transactions.

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In my opinion, e-money is a practical and modern solution That is very useful especially for daily transactions such as tolls, parking, transportation, and small purchases because it makes things easier without the need to carry a lot of cash. However, to maximize its benefits, clear regulations and protections are needed so that if there is a loss, error, or misuse, users, remain protected

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In my opinion, e-money is not completely safe because it is vulnerable to hacking, depends on internet access, and many users still lack digital security awareness. Therefore, traditional banking methods are considered safer and more reliable for society

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My argument about e money is e-money makes transactions faster and easier. People can pay for shopping, bills, or transportation in just a few clicks without carrying cash. But, e-money carries security and privacy risks. Cybercriminals can hack digital wallets or steal personal data.

So e-money is beneficial for simplifying modern transactions and promoting transparency, but it is not without flaws. To maximize its advantages, governments and providers must strengthen digital infrastructure, educate users, and improve security systems. Only then can e-money become a truly reliable and inclusive financial tool.

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in my opinion, e-money is really helpful because it makes payments fast and simple. we dont need to carry a lot of cash, just use a phone or a card. besides, it also feels safer since there’s less chance of losing money.

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My argument about e money

E money is so easy to use, when u forget to bring money , you can pay with your phone and very easy to use. But sometimes e money got a problem like a error payment or something like that.

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my argument about E-money

E-money is a modern payment innovation that is practical and fast because it does not need to carry cash, is safer, and encourages people towards a cashless society. Transactions are also recorded neatly so that it facilitates financial management.

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09. I Gusti Agung Ayu Pradnyahita Wisnupratiwi 

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09. I Gusti Agung Ayu Pradnyahita Wisnupratiwi 

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E-money is a new way of payment that is becoming popular among young people and adults. Many say it makes life easier, but the question is whether it is really good for everyone, including people in rural areas.

E-money is very practical because we only need a phone to pay, send, or receive money. It saves time, and we don’t need to bring a lot of cash. For students and young people, e-money also feels safer because we don’t have to worry about losing cash. But e-money also has problems. Not everyone has a smartphone or internet connection, especially in villages. Some people also don’t really understand how to use it, so they still prefer cash. Besides, there are risks of scams and errors that make people afraid to use e-money. In short, e-money is a useful and modern way of payment, but it is not perfect yet. To make it better for everyone, there should be better internet access and more education on how to use it safely.

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11. I Gusti Ayu Putu Dinantia Widayanti 

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11. I Gusti Ayu Putu Dinantia Widayanti 

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E-money (Electronic Money) is a digital representation of fiat currency (like dollars or euros) that is stored electronically on devices or servers and is used to conduct transactions. It functions as a convenient substitute for physical cash. The main advantages are speed (instantaneous transfers), convenience (transactions can be made anytime, anywhere, often through a mobile phone), and efficient record-keeping (all payments are digitally tracked). Despite its ease of use, carries a significant risk of irrevocable loss. Unlike traditional banking, which offers strong fraud protections, many e-money platforms place the burden of security largely on the user. If an account is hacked, or if a transaction is mistakenly sent to the wrong recipient, the funds are often instantaneously and permanently gone, with limited or no recourse for recovery. This lack of a robust, centralized safety net makes e-money a fundamentally riskier way to hold and transfer value.

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E-Money is electronic money that makes transactions faster, easier, and safer while also supporting financial inclusion, but it still carries risks such as cybercrime, so proper regulation and public awareness are needed to ensure its benefits outweigh the drawbacks

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e-money, or electronic money, is becoming one of the most practical tools for financial transactions in modern society. it provides convenience because people no longer need to carry large amounts of cash, reducing the risk of theft or loss. in addition, e-money supports faster and safer payments, whether for online shopping, public transportation, or daily necessities. it also encourages financial inclusion, giving access to digital payments for people who do not have traditional bank accounts. however, some challenges still exist, such as the need for stable internet access, risks of cybercrime, and dependency on technology. despite these issues, the benefits of e-money outweigh the drawbacks, making it an essential innovation for the future of the global economy.

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E-money has both advantages and disadvantages. On the positive side, it offers convenience because people can make quick and easy transactions without carrying cash, and it is considered more secure since it reduces the risk of theft. It also makes payments more efficient, supports online shopping, and provides transparency because every transaction can be tracked. However, there are also some drawbacks. Not everyone has access to the internet or smartphones, which creates inequality, and e-money systems are vulnerable to hacking and fraud. In addition, people may face privacy concerns since their transactions are recorded, and technical problems or extra fees can also make e-money less practical in certain situations.

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Argument about E-Money

E-money makes daily transactions easier and faster. You don’t need to bring cash, just tap or scan. It’s also safer because if you lose it, you can block your account. Another benefit is that every transaction is recorded, so you can track your spending and manage money better. Even though it depends on internet access and security, the advantages are stronger. E-money supports a modern and efficient cashless society.

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E-money is an electronic payment method. The value of the money is stored in a specific electronic medium. E-money represents a technological advancement in the financial sector, making transactions easier. With e-money, we no longer need to carry large amounts of cash.

On one hand, e-money undeniably brings various advantages that support a modern lifestyle. First, in terms of practicality, users no longer need to carry large amounts of cash, thus reducing the risk of theft. Transactions become faster and more efficient, as they do not require physical change. Furthermore, e-money enhances security by reducing the circulation of counterfeit money and supports the environmentally friendly cashless society movement by minimizing paper usage.

However, on the other hand, e-money also has significant disadvantages. One of its main drawbacks is its dependence on technological infrastructure. Its use requires special reading machines (readers) which are not always available everywhere, especially in remote areas. There is also the risk of losing the entire balance if the card or device is lost and unprotected. Moreover, the balance limits set by regulators often restrict users from making large transactions, and not everyone has equal access to this technology.

Essentially, e-money is a financial innovation that brings major positive impacts in terms of transaction efficiency and security. However, to become a truly inclusive solution, its various shortcomings such as limited access in non-urban areas, the risk of balance loss, and reliance on specific infrastructure need to be addressed. Therefore, while continuing to encourage the adoption of this technology, it is crucial for service providers and the government to ensure that its benefits can be enjoyed equally by all members of society without exception.

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I Gusti Agung Gede Agung Bintang Baladewa Sthy Jagat (12)

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I Gusti Agung Gede Agung Bintang Baladewa Sthy Jagat (12)

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Thesis / Introduction:

E-money is digital money that we can use with a phone or card instead of cash. It makes daily life easier, faster, and safer.

Arguments / Body:

First, e-money is super fast. We just tap or scan and it is done. No need to count coins or wait for change. This is really helpful when buying at the school canteen or at the market.

Second, it is safer. Carrying a lot of cash can be risky because it might get lost or someone could steal it. But if we use e-money, even if our phone is lost, we can block the account and keep our money safe.

Third, it is really practical. We do not need a big wallet. Just our phone and we can pay for snacks, parking, phone credit, or even donate to charity.

Conclusion:

So I think e-money is better than cash. It is faster, safer, and more practical. High school students should start using it to make life easier and more modern.

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My Argument about E-Money :

Thesis

E-money is a digital form of payment that allows people to make transactions using smartphones or other devices instead of cash. It is connected to the internet and usually works with QR codes or special applications. I believe e-money is very useful in our daily life because it makes transactions much easier. With e-money, we can pay for food, transportation, or even online shopping without carrying cash. We just need a smartphone and internet connection, and the payment can be done in a few seconds. This is very practical, especially for people like students because they use it almost every day.

Argument 1

E-money is very convenient and safe. It saves time because we don’t need to bring cash everywhere. If we lose our wallet, the money is gone, but with e-money, we can block the account and protect our balance.

Argument 2

E-money also provides a clear record of transactions. This helps us track where our money goes and manage our finances better, which is very useful for students and workers.

Conclusion

E-money has both positive and negative sides. On the positive side, it makes our life easier because transactions are faster, safer, and more practical. It also helps people, like students, manage their spending better since every payment is recorded. On the negative side, e-money still depends on the internet and technology, which can fail sometimes. There are also risks such as hackers, scams, or fake QR codes that can cause losses. In conclusion, even though e-money has some weaknesses, I believe the advantages are stronger, and it is still very useful for modern society.

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E-money (electronic money) is a digital payment instrument that stores monetary value in electronic media, such as cards or mobile phones, for cashless transactions.E-money is designed for practicality and efficiency, and in Indonesia, its existence is regulated by Bank Indonesia.It also promotes a more transparent digital financial system and supports the government’s goal of building a cashless society. However, challenges remain, such as limited access to technology in certain areas and the threat of cybercrime that endangers data security. Therefore, the use of e-money must be supported by strong security systems and equal access to technology so that its benefits can be enjoyed by all members of society.

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So yah in my opinionn about e-money is...

E-money is digital electronic money stored in electronic media, such as cards or applications, and used for cashless transactions. The funds stored belong to the user and can be topped up.

In my opinion, e-money is a very practical innovation because it speeds up transactions and has great potential for financial inclusion. However, I also see the risks: dependence on technology makes it vulnerable to disruption, the threat to personal data security is very real, and there are concerns about a widening digital divide. A balance between strict regulation, cyber security, and digital literacy education is crucial so that everyone can truly enjoy the benefits without creating new problems.

From all these arguments, I conclude that e-money can simplify transactions in commerce, but it comes with the consequence of making us overly reliant on technology. Therefore, we should also occasionally use cash transactions to avoid becoming overly dependent on e-money.

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as we know e-money offers undeniable convenience and efficiency in modern transactions, but going all-in on it poses a big risk to our personal privacy and the economy. Unlike cash, which is private, every e-money transaction leaves a digital trail. This means companies and governments can easily see what you're buying, taking away the privacy that cash has always provided. The other major problem is that e-money systems are completely dependent on technology. If there's a huge power outage, a major internet failure, or a system crash, all of your money could become useless. This is a serious threat because it could cause the entire economy to stop working.

Ultimately, the shift to a totally cashless society means trading the privacy and security of physical money for the convenience of e-money. The potential for constant surveillance and the chance that the whole financial system could fall apart are just too big to ignore. A full move to e-money, without solving these key issues, would make our lives less private and our economy more unstable.

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My opinion about E Money

E-money, or electronic money, is a digital form of payment stored on cards or applications. It allows people to make transactions more quickly and easily without using physical cash. Today, e-money is widely used for tolls, transportation, shopping, and many other daily needs.

In my opinion, e-money is an important innovation in modern payment systems because it makes transactions easier without carrying cash.

E-money is very practical and fast; with just a tap or scan, the payment is completed. This saves time, especially on toll roads or public transportation. It is also safer than cash because it reduces the risk of loss or theft. However, the weakness is that not all places accept e-money and sometimes it depends on internet connection.

Therefore, I believe e-money brings many benefits to daily life. Although it has some limitations, its use should still be encouraged to help people get used to digital payments.

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My opinion on e-money in everyday life

E-money is a non-physical payment method because it is digital. In everyday life, e-money is very helpful for paying for food, sharing money, and buying and selling. It can also save a lot of time in transactions. However, e-money also has drawbacks, such as not being able to be used in poor cell phone reception. Therefore, using e-money is only effective if we don't carry cash or store large amounts of cash.