@mastersthesis{digilib49733,
           month = {January},
           title = {DETERMINAN PERMINTAAN UANG ELEKTRONIK (E-MONEY) DENGAN PENGGUNA SMARTPHONE SEBAGAI VARIABEL MODERASI},
          school = {UIN SUNAN KALIJAGA YOGYAKARTA},
          author = {NIM.: 19208012055 Fauzan Akhmadi},
            year = {2022},
            note = {Pembimbing: Dr. H. Slamet Haryono, SE, M.Si.},
        keywords = {Produk Domestik Bruto, Kurs, Suku Bunga, Telepon Seluler},
             url = {https://digilib.uin-suka.ac.id/id/eprint/49733/},
        abstract = {The rapid development of technology in this era makes payment systems experience various kinds of innovations in transacting, thus making e-money a very trendy means of payment in the community. This study seeks to find out whether Gross Domestic Product (GDP), Exchange Rate, Interest Rates, and mobile phone users (Smartphones) as moderation variables can affect the demand for electronic money (e-money) in Indonesia. The research data was obtained from the Central Statistics Agency and Bank Indonesia using Quarterly data from 2010 to 2020. Hypothesis testing in this study used the Moderating Regression Analysis (MRA) model using the Stata application. Statistical test results show that GDP and exchange rates have a significant influence on e-money demand. In addition, Smartphone users are able to moderate exchange rates and interest rates against e-money demand}
}