Title: Socio-Demographic and Economic Determinants of Internet, E-Commerce, and E-Banking Users in Indonesia
Author: Muhammad Abrar
Affiliations: Master of Economics Program, Faculty of Economics and Business, Universitas Airlangga , Surabaya, Indonesia
Publisher: Universitas Airlangga
Abstract
Technological developments have become a challenge in developing countries. However, relatively little research has examined the determinants of internet use related to e-commerce and e-banking in Indonesia. Despite the closure of many conventional businesses and the decline in purchasing power, e-commerce businesses, aided by internet technology and e-banking, have been able to survive in the market. Therefore, research is needed into the socio-demographic and economic determinants of internet, e-commerce, and e-banking use from the perspective of households as economic actors. This study employed descriptive analysis and logistic regression methods using data from the March 2017 Susenas (National Survey) with a sample size of 926,218 individuals. The results indicate that individuals who are young, college graduates, live in urban areas, own mobile phones, use computers, are employed, have per capita expenditure above the poverty line, and have a high per capita income are more likely to become internet, e-commerce, and e-banking users. Government policies are needed to provide adequate and equitable infrastructure and improve information technology education needed by the community.
Keywords: internet, e-commerce, e-banking, logistic regression, Indonesia