{"id":5458,"date":"2022-06-16T08:00:00","date_gmt":"2022-06-16T01:00:00","guid":{"rendered":"https:\/\/rocketpocket.id\/?p=5458"},"modified":"2022-10-21T10:13:44","modified_gmt":"2022-10-21T03:13:44","slug":"perbedaan-aplikasi-keuangan-digital-bank-dan-e-wallet","status":"publish","type":"post","link":"https:\/\/whiz.id\/id\/perbedaan-aplikasi-keuangan-digital-bank-dan-e-wallet\/","title":{"rendered":"Perbedaan Aplikasi Keuangan, Digital Bank, dan E-wallet, Apa Bedanya?"},"content":{"rendered":"\n<p style=\"font-size:16px\"><strong>Perbedaan Aplikasi Keuangan, Digital Bank, dan <em>E-wallet<\/em> \u2013 <\/strong>Berkembangnya teknologi membuat transisi dalam dunia keuangan dari yang konvensional menjadi serba digital atau digitalisasi.&nbsp;<\/p>\n\n\n\n<p style=\"font-size:16px\">Di Indonesia, penggunaan transaksi digital marak digunakan. Pembayaran online mengalami kemajuan dan banyak diminati karena berbagai kemudahan dan kenyamanannya dalam bertransaksi. Mulai dari membayar belanja, transportasi, membeli makanan, membayar tagihan, dan sebagainya.&nbsp;<\/p>\n\n\n\n<p style=\"font-size:16px\">Berbagai metode keuangan pun mulai bermunculan. Kamu pasti sering mendengar istilah <em>e-wallet<\/em>, digital bank, dan aplikasi keuangan. Ketiganya memang hadir untuk memberi kemudahan dalam dunia keuangan. Namun, tidak sedikit orang yang sulit membedakan ketiga metode tersebut.<\/p>\n\n\n\n<p style=\"font-size:16px\">Lalu, apa perbedaan aplikasi keuangan, digital bank, dan <em>e-wallet<\/em>? Yuk kenali perbedaannya!<\/p>\n\n\n\n<p class=\"has-text-align-center\" style=\"font-size:16px\"><strong>Baca Juga:<\/strong> <a href=\"https:\/\/whiz.id\/id\/pengaruh-inflasi-terhadap-keuangan-keluarga\/\"><strong>Pengaruh Inflasi Terhadap Keuangan Keluarga<\/strong><\/a><\/p>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>5 Perbedaan Aplikasi Keuangan, Digital Bank, dan <em>E-wallet<\/em><\/strong><\/h3>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>1. Pengertian Aplikasi Keuangan, Digital Bank, dan <em>E-wallet<\/em><\/strong><\/h4>\n\n\n\n<div class=\"inherit-container-width wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\"><div class=\"wp-block-group__inner-container\">\n<figure class=\"wp-block-image size-large\"><img data-recalc-dims=\"1\" fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"684\" data-attachment-id=\"5461\" data-permalink=\"https:\/\/whiz.id\/id\/perbedaan-aplikasi-keuangan-digital-bank-dan-e-wallet\/woman-successfully-transferred-money-online-via-electronic-inter\/\" data-orig-file=\"https:\/\/i0.wp.com\/whiz.id\/wp-content\/uploads\/2022\/05\/woman-successfully-transferred-money-online-via-electronic-internet-banking-application-smartphone-scaled.jpg?fit=2560%2C1709&amp;ssl=1\" data-orig-size=\"2560,1709\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;4&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;NIKON D750&quot;,&quot;caption&quot;:&quot;Woman successfully transferred money online via electronic internet banking application on smartphone - financial technology or fintech concept&quot;,&quot;created_timestamp&quot;:&quot;1506698374&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;70&quot;,&quot;iso&quot;:&quot;320&quot;,&quot;shutter_speed&quot;:&quot;0.00625&quot;,&quot;title&quot;:&quot;Woman successfully transferred money online via electronic inter&quot;,&quot;orientation&quot;:&quot;1&quot;}\" data-image-title=\"\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/whiz.id\/wp-content\/uploads\/2022\/05\/woman-successfully-transferred-money-online-via-electronic-internet-banking-application-smartphone-scaled.jpg?fit=300%2C200&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/whiz.id\/wp-content\/uploads\/2022\/05\/woman-successfully-transferred-money-online-via-electronic-internet-banking-application-smartphone-scaled.jpg?fit=1024%2C684&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/rocketpocket.id\/wp-content\/uploads\/2022\/05\/woman-successfully-transferred-money-online-via-electronic-internet-banking-application-smartphone-1024x684.jpg?resize=1024%2C684&#038;ssl=1\" alt=\"Perbedaan Aplikasi Keuangan, Digital Bank, dan E-wallet\" class=\"wp-image-5461\" srcset=\"https:\/\/i0.wp.com\/whiz.id\/wp-content\/uploads\/2022\/05\/woman-successfully-transferred-money-online-via-electronic-internet-banking-application-smartphone-scaled.jpg?resize=1024%2C684&amp;ssl=1 1024w, https:\/\/i0.wp.com\/whiz.id\/wp-content\/uploads\/2022\/05\/woman-successfully-transferred-money-online-via-electronic-internet-banking-application-smartphone-scaled.jpg?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/whiz.id\/wp-content\/uploads\/2022\/05\/woman-successfully-transferred-money-online-via-electronic-internet-banking-application-smartphone-scaled.jpg?resize=768%2C513&amp;ssl=1 768w, https:\/\/i0.wp.com\/whiz.id\/wp-content\/uploads\/2022\/05\/woman-successfully-transferred-money-online-via-electronic-internet-banking-application-smartphone-scaled.jpg?resize=1536%2C1025&amp;ssl=1 1536w, https:\/\/i0.wp.com\/whiz.id\/wp-content\/uploads\/2022\/05\/woman-successfully-transferred-money-online-via-electronic-internet-banking-application-smartphone-scaled.jpg?resize=2048%2C1367&amp;ssl=1 2048w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n<\/div><\/div>\n\n\n\n<p style=\"font-size:16px\">Aplikasi keuangan merupakan program yang digunakan untuk mengelola dan mengatur keuangan untuk berbagai kebutuhan, mulai dari kebutuhan pribadi, instansi, hingga bisnis. Terdapat banyak jenis dan fitur dari aplikasi keuangan. Tapi, idealnya digunakan untuk memudahkan pengguna dalam mengelola keuangan dan menghindari kesalahan perhitungan.<\/p>\n\n\n\n<p style=\"font-size:16px\">Digital Bank adalah salah satu produk dari layanan perbankan. Nasabah dapat menggunakan layanan dan produk bank secara online atau digital tanpa perlu repot datang ke bank. Fungsinya adalah memberikan kemudahan untuk nasabah menggunakan layanan dari mana pun selama 24 jam.<\/p>\n\n\n\n<p style=\"font-size:16px\">Sedangkan, <em>e-wallet<\/em> atau dompet digital merupakan perangkat elektronik yang memberikan layanan untuk menyimpan uang dan melakukan transaksi keuangan.<\/p>\n\n\n\n<p style=\"font-size:16px\">Dari ketiga pengertian tersebut, kamu sudah menemukan perbedaannya? Jika belum, yuk intip perbedaan lainnya.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>2. Fitur dan Kegunaan<\/strong><\/h4>\n\n\n\n<p style=\"font-size:16px\">Fitur aplikasi keuangan secara umum berisi pengelolaan keuangan dan laporan keuangan. Dengan aplikasi keuangan, laporan keuangan lebih akurat dan detail, tidak ada lagi kesalahan dalam penginputan. Selain fitur tersebut, beberapa aplikasi keuangan juga dilengkapi dengan fitur lain untuk yang digunakan untuk membantu mengelola keuangan.<\/p>\n\n\n\n<p style=\"font-size:16px\">Seperti layanan bank offline, digital bank memiliki fitur untuk transfer uang, membuka rekening, melakukan deposit, pembayaran tagihan, mencari informasi, dan lain-lain. Bedanya, nasabah tidak perlu lagi datang ke kantor cabang untuk melakukan transaksi bank.<\/p>\n\n\n\n<p style=\"font-size:16px\">Fitur yang disediakan <em>e-wallet<\/em> sebenarnya lebih mengarah ke transaksi keuangan. Seperti namanya, dompet digital, kamu bisa melakukan pembayaran secara online menggunakan QR code. Transaksi dilakukan secara online, kamu tidak perlu membawa uang lagi di dompetmu. Selain itu, saat ini <em>e-wallet <\/em>sudah bisa digunakan untuk transfer uang ke sesama penggunanya.<\/p>\n\n\n\n<p class=\"has-text-align-center\" style=\"font-size:16px\"><strong>Baca juga: <a href=\"https:\/\/whiz.id\/id\/aplikasi-keuangan-digital\/\" target=\"_blank\" rel=\"noreferrer noopener\">Aplikasi Keuangan Digital Keluarga, Whiz Juaranya!<\/a><\/strong><\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>3. Saldo Maksimal Penyimpanan<\/strong><\/h4>\n\n\n\n<div class=\"inherit-container-width wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\"><div class=\"wp-block-group__inner-container\">\n<figure class=\"wp-block-image size-large\"><img data-recalc-dims=\"1\" decoding=\"async\" width=\"1024\" height=\"684\" data-attachment-id=\"5460\" data-permalink=\"https:\/\/whiz.id\/id\/perbedaan-aplikasi-keuangan-digital-bank-dan-e-wallet\/woman-looking-at-smartphone-screen-while-transferring-money-onli\/\" data-orig-file=\"https:\/\/i0.wp.com\/whiz.id\/wp-content\/uploads\/2022\/05\/woman-looking-smartphone-screen-while-transferring-money-online-scaled.jpg?fit=2560%2C1709&amp;ssl=1\" data-orig-size=\"2560,1709\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;4&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;NIKON D750&quot;,&quot;caption&quot;:&quot;Woman looking at smartphone screen while transferring money online via electronic internet banking application - financial technology or fintech concept&quot;,&quot;created_timestamp&quot;:&quot;1506698524&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;70&quot;,&quot;iso&quot;:&quot;320&quot;,&quot;shutter_speed&quot;:&quot;0.00625&quot;,&quot;title&quot;:&quot;Woman looking at smartphone screen while transferring money onli&quot;,&quot;orientation&quot;:&quot;1&quot;}\" data-image-title=\"\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/whiz.id\/wp-content\/uploads\/2022\/05\/woman-looking-smartphone-screen-while-transferring-money-online-scaled.jpg?fit=300%2C200&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/whiz.id\/wp-content\/uploads\/2022\/05\/woman-looking-smartphone-screen-while-transferring-money-online-scaled.jpg?fit=1024%2C684&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/rocketpocket.id\/wp-content\/uploads\/2022\/05\/woman-looking-smartphone-screen-while-transferring-money-online-1024x684.jpg?resize=1024%2C684&#038;ssl=1\" alt=\"Perbedaan Aplikasi Keuangan, Digital Bank, dan E-wallet\" class=\"wp-image-5460\" srcset=\"https:\/\/i0.wp.com\/whiz.id\/wp-content\/uploads\/2022\/05\/woman-looking-smartphone-screen-while-transferring-money-online-scaled.jpg?resize=1024%2C684&amp;ssl=1 1024w, https:\/\/i0.wp.com\/whiz.id\/wp-content\/uploads\/2022\/05\/woman-looking-smartphone-screen-while-transferring-money-online-scaled.jpg?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/whiz.id\/wp-content\/uploads\/2022\/05\/woman-looking-smartphone-screen-while-transferring-money-online-scaled.jpg?resize=768%2C513&amp;ssl=1 768w, https:\/\/i0.wp.com\/whiz.id\/wp-content\/uploads\/2022\/05\/woman-looking-smartphone-screen-while-transferring-money-online-scaled.jpg?resize=1536%2C1025&amp;ssl=1 1536w, https:\/\/i0.wp.com\/whiz.id\/wp-content\/uploads\/2022\/05\/woman-looking-smartphone-screen-while-transferring-money-online-scaled.jpg?resize=2048%2C1367&amp;ssl=1 2048w, https:\/\/i0.wp.com\/whiz.id\/wp-content\/uploads\/2022\/05\/woman-looking-smartphone-screen-while-transferring-money-online-scaled.jpg?resize=18%2C12&amp;ssl=1 18w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n<\/div><\/div>\n\n\n\n<p style=\"font-size:16px\">Ketiga layanan di atas memang memiliki kegunaan untuk menyimpan uang secara online. Tapi ternyata terdapat maksimal penyimpanan, lho. Saldo maksimal yang tersimpan di <em>e-wallet<\/em> dan aplikasi keuangan senilai Rp5.000.000 sampai Rp20.000.000.<\/p>\n\n\n\n<p style=\"font-size:16px\">Sementara, saldo yang tersimpan di digital bank lebih besar. Tergantung jenis kartu yang kamu miliki.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>4. Biaya Admin<\/strong><\/h4>\n\n\n\n<p style=\"font-size:16px\">Aplikasi keuangan dan <em>e-wallet<\/em> tidak memiliki biaya admin yang harus dikeluarkan setiap bulannya. Berbeda dengan digital bank. Nasabah dikenakan biaya admin yang dipotong dari tabungan setiap bulannya. Biaya yang dikeluarkan juga berbeda-beda tergantung jenis kartu yang mereka digunakan.<\/p>\n\n\n\n<p style=\"font-size:16px\">Untuk aplikasi keuangan dan e-wallet, biaya admin dikeluarkan saat melakukan top up atau pengisian saldo dari platform pembayaran lain, misalnya bank, supermarket, dan sebagainya.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>5. Limit Transaksi dan Jangkauan Penggunaan<\/strong><\/h4>\n\n\n\n<div class=\"inherit-container-width wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\"><div class=\"wp-block-group__inner-container\">\n<figure class=\"wp-block-image size-full\"><img data-recalc-dims=\"1\" decoding=\"async\" width=\"2560\" height=\"1703\" data-attachment-id=\"5463\" data-permalink=\"https:\/\/whiz.id\/id\/perbedaan-aplikasi-keuangan-digital-bank-dan-e-wallet\/pay-for-goods-by-credit-card-through-a-smartphone-in-a-coffee-sh\/\" data-orig-file=\"https:\/\/i0.wp.com\/whiz.id\/wp-content\/uploads\/2022\/05\/pay-goods-by-credit-card-through-smartphone-coffee-shop-scaled.jpg?fit=2560%2C1703&amp;ssl=1\" data-orig-size=\"2560,1703\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;2.5&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;NIKON Z 6&quot;,&quot;caption&quot;:&quot;Pay for goods by credit card through a smartphone in a coffee shop.&quot;,&quot;created_timestamp&quot;:&quot;1533092234&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;50&quot;,&quot;iso&quot;:&quot;400&quot;,&quot;shutter_speed&quot;:&quot;0.0025&quot;,&quot;title&quot;:&quot;Pay for goods by credit card through a smartphone in a coffee sh&quot;,&quot;orientation&quot;:&quot;1&quot;}\" data-image-title=\"\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/whiz.id\/wp-content\/uploads\/2022\/05\/pay-goods-by-credit-card-through-smartphone-coffee-shop-scaled.jpg?fit=300%2C200&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/whiz.id\/wp-content\/uploads\/2022\/05\/pay-goods-by-credit-card-through-smartphone-coffee-shop-scaled.jpg?fit=1024%2C681&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/rocketpocket.id\/wp-content\/uploads\/2022\/05\/pay-goods-by-credit-card-through-smartphone-coffee-shop-scaled.jpg?resize=2560%2C1703&#038;ssl=1\" alt=\"\" class=\"wp-image-5463\"\/><\/figure>\n<\/div><\/div>\n\n\n\n<p style=\"font-size:16px\">Ketiga layanan tersebut memiliki jangkauan penggunaan dan limit transaksi yang berbeda. Kita cenderung menggunakan <em>e-wallet<\/em> untuk transaksi kecil, seperti membeli kopi di kafe, membeli baju secara online, membayar tagihan listrik bulanan, dan transaksi lain yang berhubungan dengan toko-toko daring.<\/p>\n\n\n\n<p style=\"font-size:16px\">Sementara itu, kita menggunakan digital bank untuk transaksi dan pinjaman besar. Hal tersebut karena limit penyimpan saldo yang berbeda. Otomatis limit transaksinya pun ikut berbeda.<\/p>\n\n\n\n<p class=\"has-text-align-center\" style=\"font-size:16px\"><strong>Baca Juga:<\/strong> <a href=\"https:\/\/whiz.id\/id\/3m-di-umur-30-tahun\/\"><strong>3M di Umur 30 tahun: Memang Perlu?<\/strong><\/a><\/p>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\n<p style=\"font-size:16px\">Setelah membaca perbedaan dari tiga layanan keuangan tersebut, apakah kamu sudah bisa membedakan fungsi ketiganya? memang ketiganya memiliki fungsi yang hampir mirip, tetapi terdapat keunggulan dan kekurangannya masing-masing.<\/p>\n\n\n\n<p style=\"font-size:16px\">Nah, kalau kamu penasaran tentang aplikasi keuangan, kamu bisa menggunakan Aplikasi Keuangan<strong> <\/strong>Whiz. Selain bisa mengelola keuangan dan mendapat rincian pengeluaran dan pemasukan secara detail, ada banyak fitur lainnya yang tidak kalah menarik. Penasaran bukan?<\/p>\n\n\n\n<p class=\"has-text-align-center has-medium-font-size\"><strong><a href=\"https:\/\/link.whiz.id\/website\" target=\"_blank\" rel=\"noreferrer noopener\">Ayo Download Aplikasi Whiz dan Rasakan Langsung Kemudahan Finansial Kamu!<\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Perbedaan Aplikasi Keuangan, Digital Bank, dan E-wallet \u2013 Berkembangnya teknologi membuat transisi dalam dunia keuangan dari yang konvensional menjadi serba digital atau digitalisasi.&nbsp; Di Indonesia, penggunaan transaksi digital marak digunakan. Pembayaran online mengalami kemajuan dan banyak diminati karena berbagai kemudahan dan kenyamanannya dalam bertransaksi. Mulai dari membayar belanja, transportasi, membeli makanan, membayar tagihan, dan sebagainya.&nbsp; [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":8290,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[9],"tags":[],"class_list":["post-5458","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-budgeting-purchasing-decisions"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Perbedaan Aplikasi Keuangan, Digital Bank, dan E-wallet, Apa Bedanya? &#8211; Whiz<\/title>\n<meta name=\"description\" content=\"Saat ini banyak sekali jenis layanan keuangan. 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