Using COBIT 5 for Risk Management Assessment E-Wallet Information Technology in Indonesia

Abstract

In this digital era, internet users in the world and in Indonesia are growing very rapidly from time to time. This means that consumer needs in terms of making payments have also undergone a change towards a more modern payment, namely cashless payment. In Indonesia itself has developed an online-based payment system using electronic money or the usual e-money E-wallet (electronic wallet) is a form of Fintech (Finance Technology) that utilizes the internet as an alternative payment method. Electronic wallets developed along with the arrival of e-commerce in Indonesia such as Shopee, Tokopedia, and Bukalapak. Payment instruments for products/services that consumers want to buy can be done anywhere and anytime using a smart phone, only by top-up balance from an electronic wallet. Cobit as a quality framework can be used to measure an information system. Cobit 5, the latest framework from Cobit, can be used to assess the quality of information systems from many aspects of general management and focus on security, IT assurance, and IT risk. The writing of this paper uses a circlert scale calculation with to complete a questionnaire that requires them to indicate their level of agreement with a series of questions provided by the researcher. The benefit of writing this paper is that it can provide benefits as reading material for lecturers and students and increase knowledge for us as authors of this study about information about E-wallet Applications. From the results of research that has been done, it can be seen that customers are very satisfied with the services and features contained in the E-wallet application.