IOSR Journal of Business and Management (IOSR-JBM) e-ISSN: 2278-487X, p-ISSN: 2319-7668. Volume 23, Issue 1. Ser. II (January 2021), PP 44-47 www.iosrjournals.org DOI: 10.9790/487X-2301024447 www.iosrjournals.org 44 | Page The Factors That Influence Customer’s Perception In Using Cash Transaction And Cashless Transaction In Pt. Bank Central Asia, Tbk Se-Karisidenan Besuki Fajar Rahayu Purbaningtyas 1 , Imam Suroso 2, Deasy Wulandari 3 Master of Management, Economic and Business Faculty, Universitas Jember Kalimantan 37, Jember 68121 Abstract : The appearance of cashless payments is a component of the new regulations by Bank Indonesia, for example, e-money is expected to maximize and increase the people's purchasing activity that will increase the economics matters in Indonesia. The cashless payment method is designed to be more comfortable to use. Not only by swiping the card, currently some cashless payment methods only require a tap system such as I-Saku, Dana, OVO, T-Cash, Flazz, Brizzi, Sakuku and so on. Many studies have been conducted for examining customers' decisions to choose cashless transactions. However, some things have not shown success and there are research gaps. The results of this study have a major effect on the assessment of customer decisions to choose cashless transactions. PT. BCA, Tbk tries to study customer behavior in choosing cashless transactions. This decision making is based on existing theories. Even PT. BCA, Tbk can also find out the most dominant factor in a customer's decision to use cashless transactions. Keywords: Digital Generaion, Customer Perception, Cashless transaction, --------------------------------------------------------------------------------------------------------------------------------------- Date of Submission: 24-12-2020 Date of Acceptance: 05-01-2021 --------------------------------------------------------------------------------------------------------------------------------------- I. Introduction The appearance of cashless payments is a component of the new regulations by Bank Indonesia, for example, e-money is expected to be able to maximize and increase people's purchasing power which will eventually result in an increase in the economy in Indonesia. Because the purpose of cashless transactions is to provide facilities and safety that is provided, one of them is that people no need to carry a large amounts of cash for transactions and only carry cards instead of cash, this condition is an advantage of non-cash transactions compared to cash payment instruments. Currently, some cashless transactions in Indonesia offer and give promos with certain brands that work with them. These promos can help consumers to save expenses. But remember that each type of cashless product works with different vendors and is designed for different markets. Almost all banks in Indonesia have cashless products by offering various conveniences and promos to attract consumers, potential customers and customers for using cashless transactions. Such as BCA. BCA has cashless products, namely Flazz and Sakuku. PT. Bank Central Asia, Tbk always efforts to be accepted and gain loyalty from its customers by always updating and offering its products to customers and prospective customers. One of them is by offering cashless products, namely Flazz and Sakuku. Basically, BCA Flazz is a card for shopping. In contrast to ATM that can be used to transfer some money to another account or withdraw cash, all transactions from BCA Flazz card go unidirectional and purely online. Payment by using BCA Flazz has been accepted at almost all official merchants in Indonesia, for example Hypermart, Gramedia, Giant, Indomart, Alfamart and others. Even small shops that accept debit payments usually have cooperated with BCA Flazz. Unlike Flazz BCA, Sakuku is a mobile payment application on the cellphone that makes it easier for consumers to make payment transactions. Sakuku uses two payment systems, namely offline and online, both of them have functions to pay for your needs. In addition, especially for those of you who are shopping at certain merchants, consumers can make Sakuku payments using a QR Code. Sakuku from Bank Central Asia is divided into two parts, namely Sakuku and Sakuku Plus. By using Sakuku, consumers can make transfers, split bills, and withdraw cash. PT. Bank Central Asia, Tbk strengthens the transaction banking business through the development of innovative products and services, including the latest mobile banking application for smartphones, payment settlement services through e-commerce, and developing a new concept for the Electronic Banking Center that complements the ATM Center with additional features. supported by the latest technology. PT. Bank Central Asia, Tbk developed "MyBCA", a digital banking service outlet that can be used independently (self service); continue the development of a Cash Recycling Machine based ATM network. For the institutional customer segment, PT. Bank Central Asia, Tbk is perfecting the cash management services of PT. Bank Central Asia, Tbk