Munich Personal RePEc Archive

Menakar Pengguna Internet Banking Di Indonesia (Studi Kasus Susenas 2018)

Ngasuko, Tri Achya (2019): Menakar Pengguna Internet Banking Di Indonesia (Studi Kasus Susenas 2018). Published in: Seri Analisis Kebijakan Sektor Keuangan , Vol. 1, No. Terobosan Sektor Jasa Keuangan Di Era Digital (1 December 2019): pp. 37-59.

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The government tries to increase financial inclusion by channeling various social assistance in non-cash, namely through bank accounts, but the results are still not encouraging. Penetration through the supply side, which is also an alternative, is to introduce the mechanism of banking products via the internet, or internet banking. Internet banking is believed to contribute more in increasing financial inclusion in Indonesia. Several studies with the case of Indonesia try to see the effect of demographic factors on a person's desire to use internet banking. However, it is still on a small sample scale. Using 2018 Susenas data, this paper will try to fill the knowledge gap about the extent of the use of internet banking by the Indonesian people on a broader scale, namely at the national level. Also, this paper tries to identify the demographics of internet banking users in Indonesia. This study uses secondary data from 2018 Susenas released by the Central Statistics Agency (BPS). The results of the study revealed that internet banking users by the adult community were still around 23.41%. Furthermore, using the logit model method, this study answers that demographic characteristics such as age, level of education, male gender, occupational status, and location of individuals in urban areas influence positively and significantly on individual decisions to use internet banking.

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