Saat ini, perkembangan aplikasi e-commerce di Indonesia khususnya aplikasi B2C (Business to Consumer) semakin meningkat. Salah satu komponen penting dalam proses jual beli secara online adalah proses pembayaran elektronik (e-payment). Penelitian ini bertujuan untuk mengembangkan empat model pembayaran elektronik berdasarkan kondisi ekonomi, keamanan, tingkat pendidikan, akses teknologi, pengguna telepon seluler dan pengguna kartu kredit dan ATM di Indonesia. Model pembayaran tersebut yaitu ATMPal, iCash, Pulsa E-payment dan Mobile Banking. Selain itu, dalam penelitian ini akan ditentukan peringkat kesesuaian untuk masing-masing model pembayaran tersebut dengan kondisi di Indonesia.

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Abstract
Nowadays, the development of e-commerce applications in Indonesia, especially the application for B2C (Business to Consumer) is increasing. An important component in the process of online buying and selling is the electronic payment (e-payment). This research aims to develop four models of electronic payments based on economic conditions, safety, education level, access to technology, cell phone users, and credit cards and ATMs users in Indonesia. The payment model is ATMPal, iCash, Toll E-payment, and Mobile Banking. Moreover, this research will determined to rank the suitability of each such payment model to the conditions in Indonesia.