Cegah Perilaku Konsumtif, Ini Tips Aman Gunakan Dompet Digital untuk Kaum Milenial

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DOMPET digital menjadi alat transaksi pembayaran baru yang semakin populer digunakan banyak orang, terutama dari kalangan generasi milenial. Adanya dompet digital memudahkan transaksi keuangan sehingga tak perlu lagi menggunakan uang tunai.

Meski begitu, aktris Vizza Dara mengingatkan bahwa dompet digital jika tak digunakan dengan bijak malah bisa menyebabkan perilaku konsumtif dan pemborosan.

“Penting banget nih kita harus tahu bahwa dompet digital atau e-wallet ini, memiliki kelebihan dan kekurangannya sendiri. Makanya penggunaannya harus bijak,” tutur Vizza, dalam webinar Gerakan Nasional Literasi Digital 2021 wilayah kota Ternate, Maluku Utara, Jumat (8/10/2021).

Vizza mengatakan sejumlah kelebihan dompet digital yang sering dimanfaatkan antara lain membuat terhindar dari uang palsu, mempermudah transaksi keuangan, serta menurunkan risiko paparan virus dan bakteri dari uang tunai.

“Tapi yang paling penting dan paling banyak disukai ini adalah banyaknya promosi dan diskon yang menarik di dompet digital. Kalau belanja dapat cashback, voucher gratis, siapa sih yang nggak mau?” ujarnya.

Namun dibalik kelebihan-kelebihan tersebut, terdapat pula beberapa kekurangan dompet digital yang wajib menjadi perhatian. Dompet digital misalnya, hanya bisa digunakan di daerah yang terjangkau akses internet dan merchant khusus.

Uang yang ada di dalam dompet digital pun tidak bisa dicairkan, membuatnya hanya bisa digunakan untuk belanja atau membayar tagihan. Juga, adanya biaya transaksi yang meski kecil, bisa menumpuk menjadi banyak jika dilakukan setiap hari.

“Dan yang paling bikin sebel itu kalau pakai dompet digital, risiko jadi lebih konsumtif meningkat. Karena uangnya kan nggak kelihatan, beda dengan uang tunai di dompet, kalau habis dompet jadi terasa tipis kita berhenti belanja. Kalau di dompet digital karena tidak kelihatan, jadinya terpakai terus,” papar ibu tiga anak ini.

Untuk mencegah perilaku konsumtif sekaligus menjaga keamanan dompet digital, ia pun membagikan tips yang bisa dilakukan masyarakat. Pertama, adalah menentukan batas saldo untuk masing-masing dompet digital. Sebisa mungkin gunakan dompet digital sesuai porsi dan kebutuhannya masing-masing.

Tips Mengatur Keuangan Agar Bisa Menabung: Bedakan Kebutuhan dan Keinginan

Kedua, anggarkan penambahan dana untuk menghemat biaya top up. Seperti sudah dijelaskan sebelumnya, biaya transaksi dompet digital yang kecil bisa menjadi pengeluaran besar jika sering dilakukan.

“Jadi misalnya di dompet digital A kita batasi uangnya 1 juta, di dompet digital B 500 ribu. Nah itu sekaligus saja top upnya supaya hanya kena sekali biaya transaksi. Jangan diisinya sedikit-sedikit, pengeluarannya jadi makin banyak,” paparnya.

Ketiga, catat dengan pengeluaran yang dilakukan untuk masing-masing dompet digital. Ini bisa dilakukan dengan mleihat sejarah transaksi yang dilakukan dalam sebulan.

Terakhir dan paling penting, hindari fasilitas bayar nanti alias paylater. Penggunaan aplikasi paylater meningkatkan kecenderungan perilaku konsumtif.

“Jangan deh pakai fitur paylater ya. Berisiko banget itu bikin kehilangan kontrol, main bayar nanti saja, nggak tahunya hutang sudah menumpuk,” tuturnya.

Vizza juga berpesan agar pengguna dompet digital memerhatikan keamanan. Caranya adalah dengan tidak sembarangan membagikan password, nomor pin, dan kode OTP pada orang lain.

Hadir juga dalam webinar kali ini Ody Waji (CEO Waji Travest), Tiara Maharani (Writer dan Jurnalis), serta Krisna Dwi Payana (Apoteker dan Praktisi Kesehatan).

Webinar Gerakan Nasional Literasi Digital 2021 – untuk Indonesia #MakinCakapDigital diselenggarakan Kementerian Komunikasi dan Informatika (Kemkominfo) bersama Siberkreasi. Kegiatan ini menargetkan 10.000.000 orang terliterasi digital pada tahun 2021, hingga tercapai 50 juta orang terliterasi digital pada 2024.

Kegiatan ini merupakan bagian dari program Literasi Digital di 34 Provinsi dan 514 Kabupaten dengan 4 pilar utama. Di antaranya Budaya Bermedia Digital (Digital Culture), Aman Bermedia (Digital Safety), Etis Bermedia Digital (Digital Ethics), dan Cakap Bermedia Digital (Digital Skills) untuk membuat masyarakat Indonesia semakin cakap digital. (kanalbali/RLS)

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