Title: Social 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, there is relatively little research on the determinants of internet users associated with e-commerce and e-banking in Indonesia. In the midst of many conventional businesses closing and the issue of people's purchasing power falling, e-commerce businesses assisted by internet technology and e-banking are able to survive in the market. Therefore, research is needed on the socio-demographic and economic determinants of internet, e-commerce and e-banking users from the household side as one of the economic actors. This research uses descriptive analysis and logistic regression methods using data from the March 2017 Susenas with a sample size of 926,218 individuals. The research results show that individuals who have the characteristics of being young, college graduates, living in urban areas, owning a cellphone, using a computer, working, spending per capita above the poverty line, and having a high per capita income have a greater chance of becoming internet users. e-commerce, and e-banking. Government policy is needed to provide adequate and equitable infrastructure and improve the information technology education needed by the community.
Keywords: internet, e-commerce, e-banking, logistic regression, Indonesia
