The use of technology in modern banking services that we know as electronic payment systems make banking performance more optimal, various activities can be implemented quickly and accurately while impacting productivity Electronic payments are payment mechanisms that use electronic media that do not involve cash Electronic payment systems can also define as a type of inter-organizational information related to transaction systems, linking various associations, and linking to individual clients. Need for complex interaction is required between partners, the technology, and the environment. According to the Federal Financial Institutions Examination Council (2010), electronic payment is a new payment practice for retail where a merchant retrieves payment information for goods and services and places this information in an electronic template that creates electronic files for processing over the network. Electronic payments may be defined as an electronic value tra...
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