Manusia sudah mengenal perdagangan sejak lama. Dimulai dari barter sampai ditemukannya sistem nilai tukar menggunakan emas dan akhirnya menggunakan mata uang. Model perdagangan berikutnya adalah melalui internet yang memiliki keuntungan terutama dalam hal kemudahan dan jangkauan pembeli yang mendunia. Tetapi seiring dengan itu muncul juga permasalahan keamanan transaksi. Untuk mengatasi hal ini Visa dan MasterCard sudah menetapkan standar baru untuk transak:si melalui jaringan umum yang aman yang disebut Secure Electronic Transaction (SET). Implementasinya membutuhkan infrastruktur baru dan harus memperhatikan kondisi dan kebiasaan masyarakat sekitar. Di Indonesia sendiri transaksi menggunakan SET praktis belum ada. Tesis ini memberikan solusi dan saran tentang bagaimana mengimplementasikan SET di Indonesia agar dapat diterima secara luas bukan hanya untuk perdagangan melalui internet tetapi juga untuk perdagangan tadisional. Model yang ditawarkan berbasiskan pada faktor yang mempengaruhi implementasi SET di Indonesia. Pertama dilakukan analisa critical success factor (CSF) dan strength weakness opportunity threat (SWOT). Kemudian dilihat infrastruktur yang dibutuhkan berupa jaringan komunikasi, otoritas sertifikat, payment gateway, smartcard, dompet elektronik, dan point of sales. Akhirnya ditentukan komponen yang dilibatkan dalam implementasi yaitu penyedia jaringan, situs dagang elektronik, bank, retail, pasar swalayan, rumah makan fastfood, dan mal.

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Human have been trading since the beginning. Starting with barters up until the use of valuable metals and later currency as means exchange. The next big step in commerce is dawning before us in the form of Internet based electronic commerce, which has the benefits of ease of use and a worldwide customer base. But there are problems, most notably in the area of security. To this, Visa and MasterCard has come up with a new standard for public network transaction called Secure Electronic Transaction (SET). Its implementation requires new infrastructures and attention must be paid to the need and condition of the environment where it is implemented. In Indonesia, SET based transaction is practically non-existent. This thesis provides and solution and suggestions on how to implement SET in Indonesia so it would be easily accepted by the public not only for internet-based transaction but also for traditional brick-and-mortar trades. The proposed model will be based on factors that affect the implementation of SET in Indonesia. First critical success factor (CSF) and strength weakness opportunity threat (SWOT) analysis will be performed. Then the necessary infrastructure will be analyzed which are communication network, certificate authority, payment gateway, smart card, electronic wallet, and point of sales. And last the components will be defined and selected which are network provider, electronic commerce sites, banks, retails, supermarkets, fast food restaurants, and malls.