Abstract
Abstract Indonesia is a developing country whose society is starting to open up to information technology. The number of internet users in Indonesia in 2020 will reach around 175 million, in 2022-2023 it will be 215.63 million. One form of use of information technology that is highly developed, most influential and has the widest scope is e-commerce (Electronic Commerce). Electronic trading is a form of conversion from conventional trading activities into a form of trading using data. This trading involves electronic funds transfers, electronic data exchange, automated inventory management systems, and automated data collection systems. The rapid development of information technology has encouraged various sectors to create community service systems. One of the payment system service innovations currently being utilized is PPOB. PPOB (Payment Point Online Bank) is an online payment system utilizing a facility called multi payment. These various multi payment facilities include PLN, BPJS, telephone, credit, internet, data packages, insurance, PGN, electronic electricity credit, game vouchers, and many others. PPOB allows people to make bill payments more easily and practically. Both parties, both the service provider and the community, feel the benefits, the community finds it easy to pay bills and the service provider can develop its business. Keywords: PPOB mobile for public payment access Abstrak Indonesia merupakan negara berkembang yang masyarakatnya mulai terbuka dengan teknologi informasi. Jumlah pemakai internet di Indonesia di tahun 2020 mencapai sekitar 175 juta, di tahun 2022-2023 sebanyak 215,63 juta. Salah satu bentuk dari penggunaan teknologi informasi yang sangat berkembang, paling berpengaruh dan paling luas cakupannya adalah e-commerce (Perdagangan Elektronik). Perdagangan elektronik ini adalah suatu bentuk konversi dari kegiatan perdagangan konvensional menjadi bentuk perdagangan menggunakan data. Perdagangan ini melibatkan transfer dana elektronik, pertukaran data elektronik, sistem manajemen inventori otomatis, dan sistem pengumpulan data otomatis. Perkembangan teknologi informasi yang pesat mendorong berbagai sektor untuk mewujudkan sistem pelayanan masyarakat. Salah satu inovasi layanan sistem pembayaran yang saat ini dimanfaatkan yakni PPOB. PPOB (Payment Point Online Bank) adalah sistem pembayaran secara online dengan memanfaatkan fasilitas yang disebut dengan multipayment. Berbagai fasilitas multipayment tersebut meliputi PLN, BPJS, telepon, pulsa, internet, paket data, asuransi, PGN, pulsa listrik elektronik, voucher game, dan banyak lainnya. PPOB memungkinkan masyarakat dalam melakukan pembayaran tagihan yang lebih mudah dan praktis. Kedua pihak baik penyedia layanan maupun masyarakat sama-sama merasakan keuntungan, masyarakat mendapatkan kemudahan membayar tagihan dan penyedia layanan dapat mengembangkan bisnisnya. Kata Kunci: PPOB mobile untuk akses pembayaran masyarakat
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