Technology development is increasing day by day. One of them is world development. financial technology (fintech) which has brought many innovations to the country’s economy. Fintech products that Indonesian people have recently used are: electronic wallet.

e-wallet Make it easier for people to make transactions because it’s practical and easy to use.

This article will discuss how to use it. electronic wallet for payments and transfers Let’s read this article to the end!

Conclusion on E-Wallets

e-wallet as a service financial technology It offers to support digital funds for electronic payments. The advantage of this fintech is that all transactions can be recorded. This makes it easier for people who want to keep financial records and plan their family finances.

e-wallet or a digital wallet in the form of an application that can be used for both online and offline transactions online neither offlineOf course, this digital wallet is perfect for the fast paced development of the world. Because the payment turned out to be beneficial. faster and easier

by using electronic walletYou no longer need to carry a big wallet and get paid for every transaction. Just bring your smartphone. As long as the store or place you want to visit has a QR code, a digital wallet transaction is possible.

Advantages of using E-Wallets

Some of the benefits that can be obtained from using a digital wallet for transactions are as follows:

1. Practical and fast

The first advantage that can be experienced using an e-wallet is that it is more practical and faster. because when you pay using this service You only need to scan a QR code in seconds. The cashier doesn’t have to worry about counting money and giving you the change.

Also, you just need to bring your own mobile phone. No need to carry a wallet with you. Very useful if you want to travel as it is not too cluttered to carry a lot of luggage.

2. More secure

Today, crime is on the rise. There are many cases of theft or pickpockets in big cities. with digital wallet You can reduce the risk of theft. This is because thieves tend to steal wallets that contain cash.

If you are still out of luck and your smartphone is stolen. don’t worry because to be accessible You must have a PIN that can be set or authenticated in the form of a fingerprint. Digital wallets can be blocked in an emergency.

3. Transaction records are recorded.

As already mentioned, one of the advantages of electronic wallet is transaction history This history will help you record both inbound and outbound expenses. This will definitely make it easier for you to know where the money is going.

Suitable for people who like to keep financial records. Because all transactions have been finalized. budget and arrange pay day Easier and more practical You can manage your finances better.

4. Huge discounts

Finally, the interesting thing about using electronic wallet It’s a huge discount that’s unfortunate. The promotions provided are very interesting. So they give you profit. This advantage can be experienced by using a digital wallet.

How to use E-Wallet for payment

After briefly learning about electronic wallet and its advantages Let’s talk about how to use it. electronic wallet for payment. Here are some steps you should take. The most used e-wallet application.


  1. Make sure you already have a Shopee account, verify and activate ShopeePay.
  2. On the homepage, click the ShopeePay icon with the logo indicated on it.
  3. You will be redirected to the ShopeePay page.
  4. Pay and Scan QR code that you want to use for payment Until another page appears asking you to enter the amount you wish to pay.
  5. Enter your name and choose to pay. You can enter a promo code if you have one.
  6. before the actual payment You will be asked to enter a verification code.
  7. The process was successful. You have paid the bill and can take the product home.


  1. Open the Gojek application.
  2. On the homepage, you just click on the payment feature.
  3. You will be asked to scan a QR code. Scan until you are instructed to enter a name.
  4. Enter amount to pay
  5. If you have a promo code You can enter for a discount.
  6. Enter the verification code and wait for a notification of successful payment.


  1. Make sure you have the DANA application installed, register an account. and have sufficient balance
  2. Open the app to go to the home page.
  3. Then you just have to click on the ‘Scan’ or ‘Pay’ feature, just choose between the two.
  4. Just scan the QR code you want to pay.
  5. If you enter the name you want to pay for the purchase.
  6. Enter transaction code Then wait until a notification says the payment was successful.

How to use E-Wallet for transfer

besides being able to pay electronic wallet Can be used for bank transfers Here are the steps for transferring different types of digital wallets.

Shopee pay

  1. Make sure you have a Shopee account. Activate shopeepay. Don’t forget to fill out first.
  2. On the homepage, click on the shopeepay icon with the logo on it.
  3. You will be redirected to Shopeepay page.
  4. Before, make sure you verify your identity to complete the transfer.
  5. You will be taken to enter your bank name, account number and the amount you wish to transfer to another bank.
  6. if so Click Pay and enter the transaction code.
  7. Wait until the transfer notification appears in your gadget configuration.


  1. Open the Gojek application.
  2. Make sure you have a Gopay balance to transfer to another bank.
  3. Pay and choose features ‘To another account’ at the bottom left.
  4. You will be asked to enter the destination bank account.
  5. You will then be asked to enter your account number and name.
  6. If you have entered the verification code and wait until you are notified that the transfer process is successful.


  1. Make sure you have the DANA application installed, register an account. and have sufficient balance
  2. Open the app to go to the home page.
  3. Select the sending feature. you can send to friends to another bank or withdraw cash
  4. Select ‘Send to Bank Account’.
  5. Select the bank you wish to send the amount to. Then enter the specified amount.
  6. If you have one, you will be asked to write down the transaction code.
  7. It worked. Now sending money to other banks has become more practical and easier.

Here is some information about digital wallets and how to use them. electronic wallet for payments and transfers You could try switching to a digital wallet and feel the benefits. in the transaction process Try a digital wallet, feel comfortable and practical when using it.


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