Pramita Rachman is among those who enjoy the conveniences of electronic payment. In this digital era, the bank employee from Bandung no longer has to fuss over managing her finances. She is in the productive age group of between 25 and 30, and one of the many who are reducing their cash transactions. 

With three e-wallet applications on her mobile phone, Pramita could leave home without having a penny in her pocket. Since she i