Lazy to Bring Cash? You Might Be Included in the Cashless Generation

Kapanlagi.com - There are many payment options that can be used for various transactions lately. This makes daily transactions no longer have to be done with cash. Moreover, carrying a lot of cash can sometimes be quite troublesome, besides being less safe when traveling.

If you are one of those who are lazy to bring cash, you might be included in the cashless generation. What is cashless? Cashless refers to someone's habit of preferring non-cash transactions rather than cash, or often in digital form.

Well, to find out whether you really belong to the cashless generation or not, check the signs below!

1. Don't Like Carrying a Lot of Cash in Wallet

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Unlike the older generation who are used to carrying a lot of cash every time they travel, to the point where their wallets look thick, the cashless generation is the opposite. They will only carry cash as needed, such as for parking fees.

For the cashless generation, carrying a lot of cash in their wallets is not only inconvenient, but also unsafe when traveling. Because of that, the size of the wallet carried by the cashless generation is usually relatively smaller.

In fact, it is not uncommon for them to travel with just a card holder, which contains debit cards, credit cards, and identification cards such as ID cards and driver's licenses. This is because the cashless generation always prioritizes convenience in transactions.

2. No Need to Go to the ATM If Not Desperately Needed

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ATM becomes the destination for people to withdraw cash, so that it can be used for various transactions, such as shopping or paying for something. However, this concept no longer fully applies to the cashless generation.

Because various payments can be made non-cash. For the cashless generation, this is more practical to do, rather than having to go to the ATM first. Not to mention if the ATM location is quite far or the queue is long.

The cashless generation only goes to the ATM when necessary, such as withdrawing cash when there is no money at all in the wallet, or even depositing cash because they have just made a cash transaction, such as COD with someone, for example.

3. Prefer and Comfortable to Conduct Digital Transactions

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Although they prefer to shop online, the cashless generation still conducts offline transactions. The difference is, they no longer pay with cash, but prefer and feel comfortable conducting digital transactions, such as using QRIS scan.

Just by scanning QRIS through a smartphone, whether buying food at a restaurant, snacks at a mall, or drinks at a cafe, everything can be done conveniently and safely. Moreover, it is also hygienic because there is no need to touch cash, right?

If you experience these signs, then you can be sure that you belong to the cashless generation. There is also another way that the cashless generation can use to pay for transactions, which is by tapping the card using BCA Mastercard Debit Card with Contactless logo.

The feature on the card with the Contactless logo allows you to pay for transactions by tapping the debit card to BCA EDC machine or card reader that has accepted BCA Contactless payments inside or outside the country. To make it easier, you can manage all transactions using the myBCA application.

Managing BCA Debit Card transactions is not difficult. Open the myBCA application and log in with 'BCA ID & Password' or use the 'Login with Biometrics' feature. Select 'My Account', then select 'Account Control'. Select the Debit Card you want to manage. In this menu, you can perform various settings for BCA Debit Cards, ranging from viewing card details, transaction control, limit settings, to card blocking.

In the Debit Card Transaction Control menu, you can activate various transactions, from Domestic Transactions, International Transactions, Online Debit Transactions to Contactless Transactions. After following the steps above, select Transaction Control and the type of transaction you want to activate or deactivate. Follow the next detailed instructions until the confirmation screen appears and enter the Transaction PIN for verification. The desired transaction control has been successfully performed.

Meanwhile, if you want to set the Debit Card limit, first log in to your myBCA account. Select 'My Account', then select 'Account Control'. Choose the Debit Card you want to manage. Select 'Set Limit', then set the limit for each type of transaction according to your needs. A confirmation screen will appear, then enter the Transaction PIN for verification. Your Transaction Limit has been successfully set.

On the other hand, if you want to block the Debit Card, first log in to the myBCA application. Select 'My Account', then select 'Account Control'. Choose the Debit Card you want to manage. Select 'Block Card' and check the terms & conditions. Confirm the Debit Card blocking by selecting Yes, then enter the Transaction PIN. Debit Card blocking has been successfully done.

If the transaction requires OTP verification code, make sure you have regular credit to receive the OTP code that comes through SMS. Make sure to keep the confidentiality of personal banking data, do not give it to anyone through any means.

In essence, by using the myBCA application, you can activate and deactivate various transactions, ranging from Domestic Transactions, International Transactions, Online Debit, and Contactless Debit. You can also set the debit card transaction limit and also block the debit card. Enjoy the convenience of the world of myBCA, everything can be arranged via smartphone, just access the myBCA application. Check the information in more detail here.

(kly/tmi)