Global Journal of Economic and Finance Research

This paper looks into how changing payment methods and the rapid rise of e-commerce are reshaping Indonesia’s economy. By using public data and analytics, it examines the country’s transition from relying on cash to adopting digital payments like mobile wallets and online banking and how this shift is encouraging people from different backgrounds and regions to shop online. Using statistical tools like descriptive analysis, correlation, and regression, the research reveals a strong link between payment innovation and e-commerce growth. Despite the promising progress, challenges such as low digital literacy, cybersecurity risks, and infrastructure gaps particularly in rural areas still need attention. These insights offer useful guidance for policymakers, businesses, and researchers who are working to build a more inclusive and sustainable digital economy in Indonesia.

Payment, E-commerce, Indonesia, Digital Economy

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