*2.2. Mobile Payment*

Mobile payment is an innovation from exchanging value or other payment instruments that can be used by consumers who tend to rely more on the sophistication of features from smartphones and consumer financial authorization [16]. Another definition states that a mobile payment system is made through a mobile device used to initiate, activate, and confirm payments in obtaining goods or services. So, it can be concluded that a mobile payment system is a payment transaction activity carried out with a mobile device, such as a tablet or smartphone. Mobile payment systems enable customers to purchase and pay for goods or services via mobile phones. Here, each mobile phone is used as the personal payment tool in connection with the remote sales. A phonecard-based payment system has the advantage over the traditional card-based payment in that the mobile phone replaces both the physical card and the card terminal as well. Payments can take place anywhere far away from both the recipient and the bank. Traditionally, in the real world, the most popular modes of payments are cash, cheques, debit cards, and credit cards. With the possibilities created by the Internet, a new generation of payments appeared, such as electronic payments, digital payments, and virtual payments. Now, with the growing penetration of the mobile phone and the development of m-commerce, the mobile payment will become an uncontested mode for paying for goods. Mobile payment methods currently in use or under trial may be classified according to the basis of payment. A payment transaction has been identified on the basis of multiple dimensions. A distinction between the different types of payments is on the basis of location, time, size, and medium. Mobile payments are typically differentiated by technology, transaction size, location (remote or proximity), and funding mechanism [17].

#### *2.3. Go-Pay*

Bank Indonesia Regulation No.18/40/PBI/2016 Article 1 no 7 defines that an electronic wallet is an electronic service for storing data on payment instruments, including payment instruments using cards and electronic money, which can also accommodate payment instruments. In regard to funds, to make payments, Go-Pay is an electronic wallet developed by the Go-Jek company to be used as a payment service while using the Go-Jek application. The Go-Jek company started its business from motorcycle transportation services, then developed its business network by offering various services [18]. Go-Pay is a form of FinTech innovation. Other services available in the Go-Jek application are Go-Ride, Go-Car, Go-Food, Go-Pulsa, Send, Go-Point, Go-Bills, Go-Box, Go, Mart, Go-Tix, and Go-Med.
