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A. UNDERSTANDING









       NON-CASH PAYMENT








       INSTRUMENTS
















              NON-CASH PAYMENT INSTRUMENTS ARE TOOLS USED





              IN THE PAYMENT PROCESS WITHOUT USING





              PHYSICAL  MONEY  SUCH  AS  COINS  AND  PAPER,  BUT




              RATHER  NON-CASH  MONEY  SUCH  AS  CHECKS,





              DEMAND





              DEPOSITS, CREDIT CARDS AND ELECTRONIC MONEY.










              ACCORDING TO THE FINANCIAL SERVICES AUTHORITY





              (OJK), NON-CASH PAYMENT INSTRUMENTS




              OR  OFTEN  CALLED  CASHLESS  CAN  BE  A  SOLUTION





              FOR  PAYMENT  SYSTEMS  WITH  SMALL  VALUE




              TRANSACTIONS





              WHICH  REFER  TO  TRANSACTIONS  IN  THE  FORM  OF





              DIGITAL PAYMENTS.











              IN  GENERAL,  TYPES  OF  NON-CASH  PAYMENT





              INSTRUMENTS CAN BE DIVIDED INTO THREE, NAMELY




              PAPER, CARD AND ELECTRONIC. THE FOLLOWING IS A





              COMPLETE  EXPLANATION  OF  EXAMPLES  OF  NON-





              CASH




              PAYMENT INSTRUMENTS.
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