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{"work":{"id":110547109,"created_at":"2023-12-04T07:30:50.218-08:00","from_world_paper_id":244787333,"updated_at":"2024-11-25T10:26:41.679-08:00","_data":{"publisher":"Penerbit UTM Press","grobid_abstract":"Digital economy serves as one of the agenda of Association of Southeast Asian Nations (ASEAN) in undertaking the Fourth Industrial Revolution. Additionally, the Indonesian government is committed to conducting research and innovation related to digital economy. Therefore, this study aims to reveal trends and future research under the topic of digital economy in Indonesia. This study utilizes big data methods, conducted through Scopus database, while the analysis is conducted through bibliometrics and visualization VOSViewer. The results of this study indicate that financial technology becomes the most published topic by authors with affiliation from Indonesia, although the topic has been widely discussed in international journals. Meanwhile, f uture research topics include research on digital payments, technology acceptance for the Micro, small, and medium enterprises (MSMEs), digital transformation for e-learning, and e-government.","publication_date":"2023,1,10","publication_name":"Journal of Science, Technology and Innovation Policy","grobid_abstract_attachment_id":"108331143"},"document_type":"paper","pre_hit_view_count_baseline":null,"quality":"high","language":"en","title":"Digital Economy in Indonesia: Trends and Future Research","broadcastable":true,"draft":null,"has_indexable_attachment":true,"indexable":true,"seo_quality":null}}["work"]; window.loswp.workCoauthors = [482564]; window.loswp.locale = "en"; window.loswp.countryCode = "SG"; window.loswp.cwvAbTestBucket = ""; window.loswp.designVariant = "ds_vanilla"; window.loswp.fullPageMobileSutdModalVariant = "full_page_mobile_sutd_modal"; window.loswp.useOptimizedScribd4genScript = false; window.loginModal = {}; window.loginModal.appleClientId = 'edu.academia.applesignon'; 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Additionally, the Indonesian government is committed to conducting research and innovation related to digital economy. Therefore, this study aims to reveal trends and future research under the topic of digital economy in Indonesia. This study utilizes big data methods, conducted through Scopus database, while the analysis is conducted through bibliometrics and visualization VOSViewer. The results of this study indicate that financial technology becomes the most published topic by authors with affiliation from Indonesia, although the topic has been widely discussed in international journals. Meanwhile, f uture research topics include research on digital payments, technology acceptance for the Micro, small, and medium enterprises (MSMEs), digital transformation for e-learning, and e-government.</p></div></div><div class="ds-top-related-works--grid-container"><div class="ds-related-content--container ds-top-related-works--container"><h2 class="ds-related-content--heading">Related papers</h2><div class="ds-related-work--container js-wsj-grid-card" data-collection-position="0" data-entity-id="108520763" data-sort-order="default"><a class="ds-related-work--title js-wsj-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/108520763/Model_for_Digital_Economy_in_Indonesia">Model for Digital Economy in Indonesia</a><div class="ds-related-work--metadata"><a class="js-wsj-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="29282794" href="https://independent.academia.edu/vincentaryanto">vincent aryanto</a></div><p class="ds-related-work--metadata ds2-5-body-xs">International Journal of Innovation in the Digital Economy, 2011</p><p class="ds-related-work--abstract ds2-5-body-sm">This study introduces the early development of digital economy in Indonesia. e-Business activity is growing at an unprecedented rate in Indonesia as indicated by the number of online real time transactions (Real Time Gross Settlement) recorded by Bank Indonesia (Indonesian Central Bank), the emergence of dotcom companies, and the use of ICT in conventional business (a combination of brick & mortar with click/online). Research was conducted by investigating the digital activities of businesses. Unfortunately out of the 109 businesses approached, response rate was very poor with only 30 responding (27%). This is not uncommon in Indonesia for a variety of reasons. Results from the four variables utilized in this study, e-Distribution Channels, Value Creation, Online Products & Services, and Online Infrastructures, indicate that the development of digital economy in Indonesia is still in its early stages due to a number of encountered obstacles.</p><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"Model for Digital Economy in Indonesia","attachmentId":106880217,"attachmentType":"pdf","work_url":"https://www.academia.edu/108520763/Model_for_Digital_Economy_in_Indonesia","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-wsj-grid-card-view-pdf" href="https://www.academia.edu/108520763/Model_for_Digital_Economy_in_Indonesia"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div><div class="ds-related-work--container js-wsj-grid-card" data-collection-position="1" data-entity-id="125677233" data-sort-order="default"><a class="ds-related-work--title js-wsj-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/125677233/Bibliometric_Analysis_of_Digital_Payment_in_Indonesian_MSMEs">Bibliometric Analysis of Digital Payment in Indonesian MSMEs</a><div class="ds-related-work--metadata"><a class="js-wsj-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="177698836" href="https://independent.academia.edu/IbnuMalik101">Ibnu Malik</a></div><p class="ds-related-work--metadata ds2-5-body-xs">West Science Interdisciplinary Studies</p><p class="ds-related-work--abstract ds2-5-body-sm">This paper collects articles using the Publish or Perish software, which includes the top 747 scientific articles indexed by Google Scholar from 2014 to 2023. The purpose of this paper is to analyze how digital payment articles are classified. Furthermore, to identify the research trends in digital payments, determine which research topics have the highest number of publications, and analyze future digital payment topics that provide opportunities for further investigation, All of these objectives are based on the research objectives of Indonesian MSMEs. In the context of this research, we conclude that public awareness regarding the use of digital payment services by MSMEs in Indonesia has been established. Based on the findings of this study, there are also specific issues that can be explored in more detail. Topics such as income, impact, and consumers provide opportunities for further research.</p><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"Bibliometric Analysis of Digital Payment in Indonesian MSMEs","attachmentId":119677014,"attachmentType":"pdf","work_url":"https://www.academia.edu/125677233/Bibliometric_Analysis_of_Digital_Payment_in_Indonesian_MSMEs","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-wsj-grid-card-view-pdf" href="https://www.academia.edu/125677233/Bibliometric_Analysis_of_Digital_Payment_in_Indonesian_MSMEs"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div><div class="ds-related-work--container js-wsj-grid-card" data-collection-position="2" data-entity-id="94027459" data-sort-order="default"><a class="ds-related-work--title js-wsj-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/94027459/SCIENTOMETRIC_ANALYSIS_OF_DIGITAL_BANKING_FUTURE_ISLAMIC_DIGITAL_BANK_IN_INDONESIA">SCIENTOMETRIC ANALYSIS OF DIGITAL BANKING: FUTURE ISLAMIC DIGITAL BANK IN INDONESIA</a><div class="ds-related-work--metadata"><a class="js-wsj-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="39765425" href="https://sakarya.academia.edu/AamRusydiana">Aam S L A M E T Rusydiana</a></div><p class="ds-related-work--metadata ds2-5-body-xs">International Journal of Islamic Business Ethics, 2022</p><p class="ds-related-work--abstract ds2-5-body-sm">This study maps out research related to the development of research trends in digital banking themed papers published by leading journals that have been indexed by Scopus from 1976 to 2021. The analysis focuses on trends in keywords, authors and journals of 873 digital banking themed papers. publication. The results of the scientometric analysis mapping are then studied more deeply to review development strategies related to digital banking that can be adopted by Islamic banking in Indonesia. This study uses descriptive statistical methods and bibliometric analysis using biblioshiny R software to determine bibliometric maps. The flow of economic digitization requires banks to transform in order to maintain their role and position as the main intermediary institution in the financial system as well as the transmission axis of monetary policy. Digital transformation requires banks to be able to adapt the business innovation model used, organizational structure, work culture, and infrastructure they have. Islamic banking is required to be a solution by offering services and innovations through digital channels. The main thing is how to find the right balance between efforts to optimize opportunities and carry out various digital innovations in an effort to increase market share in the future.</p><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"SCIENTOMETRIC ANALYSIS OF DIGITAL BANKING: FUTURE ISLAMIC DIGITAL BANK IN INDONESIA","attachmentId":96601473,"attachmentType":"pdf","work_url":"https://www.academia.edu/94027459/SCIENTOMETRIC_ANALYSIS_OF_DIGITAL_BANKING_FUTURE_ISLAMIC_DIGITAL_BANK_IN_INDONESIA","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-wsj-grid-card-view-pdf" href="https://www.academia.edu/94027459/SCIENTOMETRIC_ANALYSIS_OF_DIGITAL_BANKING_FUTURE_ISLAMIC_DIGITAL_BANK_IN_INDONESIA"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div><div class="ds-related-work--container js-wsj-grid-card" data-collection-position="3" data-entity-id="67849231" data-sort-order="default"><a class="ds-related-work--title js-wsj-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/67849231/Factors_Affecting_The_digital_Development_of_The_Economy_in_Western_Sumatra">Factors Affecting The digital Development of The Economy in Western Sumatra</a><div class="ds-related-work--metadata"><a class="js-wsj-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="92326147" href="https://ugm.academia.edu/sitirahmi">siti rahmi</a></div><p class="ds-related-work--metadata ds2-5-body-xs">Asia Proceedings of Social Sciences</p><p class="ds-related-work--abstract ds2-5-body-sm">This study aims to provide empirical evidence about the analysis of digital economic development in West Sumatra in supporting national economic growth. The variables tested in determining supporting the development of the digital economy are variables that have an influence on national economic growth. The statistical method used to test the hypothesis of this study is the classical assumption and multiple regression test. The results of this study indicate that an increase in the number of E-entrepreneurship in Indonesia, especially in West Sumatra, is able to give a significant overall effect on national economic growth which is 0.002%. The hypothesis results indicate that the value of digital transactions has a significant effect on national economic growth, but the development of business and development the digital market is not yet significant because it is bigger than alpha 5%. This indicates that in the implementation there are still many challenges faced, especially relate...</p><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"Factors Affecting The digital Development of The Economy in Western Sumatra","attachmentId":78536621,"attachmentType":"pdf","work_url":"https://www.academia.edu/67849231/Factors_Affecting_The_digital_Development_of_The_Economy_in_Western_Sumatra","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-wsj-grid-card-view-pdf" href="https://www.academia.edu/67849231/Factors_Affecting_The_digital_Development_of_The_Economy_in_Western_Sumatra"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div><div class="ds-related-work--container js-wsj-grid-card" data-collection-position="4" data-entity-id="106330031" data-sort-order="default"><a class="ds-related-work--title js-wsj-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/106330031/The_Development_of_the_Banking_Industry_in_the_Digital_Era_in_Indonesia">The Development of the Banking Industry in the Digital Era in Indonesia</a><div class="ds-related-work--metadata"><a class="js-wsj-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="94945818" href="https://freeiz.academia.edu/DadiKuswandi">Dadi Kuswandi</a></div><p class="ds-related-work--metadata ds2-5-body-xs">Jurnal Ilmiah Manajemen, Ekonomi, &amp; Akuntansi (MEA)</p><p class="ds-related-work--abstract ds2-5-body-sm">The banking industry has experienced an increase in the services that customers can provide due to the emergence of the industrial revolution 4.0, so it has become more innovative. Using this information technology provides innovation in the form of digitizing the banking sector from various sides. This research aims to see how developments occur in the Indonesian banking industry, which has begun to be digitized. This research will be carried out using a qualitative approach and literature study methods. The data obtained came from various research results that discussed the digitalization of the banking sector that occurred in Indonesia. This study found that industries that want to survive need to adopt new technologies to stay ahead or stick with existing conventional systems and then slowly disappear.</p><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"The Development of the Banking Industry in the Digital Era in Indonesia","attachmentId":105557022,"attachmentType":"pdf","work_url":"https://www.academia.edu/106330031/The_Development_of_the_Banking_Industry_in_the_Digital_Era_in_Indonesia","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-wsj-grid-card-view-pdf" href="https://www.academia.edu/106330031/The_Development_of_the_Banking_Industry_in_the_Digital_Era_in_Indonesia"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div><div class="ds-related-work--container js-wsj-grid-card" data-collection-position="5" data-entity-id="125487759" data-sort-order="default"><a class="ds-related-work--title js-wsj-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/125487759/Digital_Economy_to_Boost_Economy_Recovery_Post_Pandemic_Indonesias_Strategic_Position_as_New_Economic_Power_in_Southeast_Asia">Digital Economy to Boost Economy Recovery Post-Pandemic: Indonesia's Strategic Position as New Economic Power in Southeast Asia</a><div class="ds-related-work--metadata"><a class="js-wsj-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="254537438" href="https://unram.academia.edu/TustaPrasedya">Tusta Prasedya</a></div><p class="ds-related-work--metadata ds2-5-body-xs">Global South Review</p><p class="ds-related-work--abstract ds2-5-body-sm">The concept of the digital economy is a relatively new term used by Don Tapscott in 1995. Since then, this term has been widely discussed in different environments, and many countries have started transforming into digital economies using various strategies. The COVID-19 pandemic did not even stop the popularity of the digital economy; in fact, it is expected to be the core of economic recovery post-Covid-19, necessarily in Indonesia. Indonesia&#39;s massive number of internet users creates the opportunity to promote digitalization and eventually transform into a digital economy environment. In 2021, the digital trade valuation reached IDR 401 Trillion with an increasing preference for online spending habits. Supported by the rapid growth of the digital payment system and digital banking, the digital economy in Indonesia is projected to reach USD 146 billion valuations by the end of 2025. This study aims to discover the progression of the digital economy in Indonesia in regards to a...</p><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"Digital Economy to Boost Economy Recovery Post-Pandemic: Indonesia's Strategic Position as New Economic Power in Southeast Asia","attachmentId":119521662,"attachmentType":"pdf","work_url":"https://www.academia.edu/125487759/Digital_Economy_to_Boost_Economy_Recovery_Post_Pandemic_Indonesias_Strategic_Position_as_New_Economic_Power_in_Southeast_Asia","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-wsj-grid-card-view-pdf" href="https://www.academia.edu/125487759/Digital_Economy_to_Boost_Economy_Recovery_Post_Pandemic_Indonesias_Strategic_Position_as_New_Economic_Power_in_Southeast_Asia"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div><div class="ds-related-work--container js-wsj-grid-card" data-collection-position="6" data-entity-id="116493090" data-sort-order="default"><a class="ds-related-work--title js-wsj-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/116493090/Digital_Economic_Business_Opportunities_in_the_Era_of_Society_5_0_In_Indonesia_from_an_Islamic_Perspective">Digital Economic Business Opportunities in the Era of Society 5.0 In Indonesia from an Islamic Perspective</a><div class="ds-related-work--metadata"><a class="js-wsj-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="165354450" href="https://independent.academia.edu/IJASSPUBLICATION">IJASS JOURNAL</a></div><p class="ds-related-work--metadata ds2-5-body-xs">IJASS JOURNAL, 2023</p><p class="ds-related-work--abstract ds2-5-body-sm">This research aims to determine digital economic business opportunities in the era of society 5.0 in Indonesia from an Islamic perspective. The research methodology used in this research is qualitative research with literature review, descriptive analysis. The findings of this research are that there are many digital economic business opportunities in the era of society 5.0, technological innovation in the era of 4.0 and continuing with the development of high technology in society 5.0. There is a lot of new knowledge that creates new digital economic business opportunities, plus digital economic business from an Islamic perspective creates greater opportunities for this business, sharia banking, sharia financial technology, e-commerce and the halal industry and its ecosystem,.This research it was also found that digital economic businesses should follow the rules of Islamic teachings, namely in accordance with the Al-Quran and Hadith so that the goal of sharia (maqasid sharia), maslahah, well-being, is achieved.</p><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"Digital Economic Business Opportunities in the Era of Society 5.0 In Indonesia from an Islamic Perspective","attachmentId":112608288,"attachmentType":"pdf","work_url":"https://www.academia.edu/116493090/Digital_Economic_Business_Opportunities_in_the_Era_of_Society_5_0_In_Indonesia_from_an_Islamic_Perspective","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-wsj-grid-card-view-pdf" href="https://www.academia.edu/116493090/Digital_Economic_Business_Opportunities_in_the_Era_of_Society_5_0_In_Indonesia_from_an_Islamic_Perspective"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div><div class="ds-related-work--container js-wsj-grid-card" data-collection-position="7" data-entity-id="56098281" data-sort-order="default"><a class="ds-related-work--title js-wsj-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/56098281/Modelling_the_Digital_Economy_Development_in_Indonesia">Modelling the Digital Economy Development in Indonesia</a><div class="ds-related-work--metadata"><a class="js-wsj-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="40895006" href="https://independent.academia.edu/aryantovincent">vincent aryanto</a></div><p class="ds-related-work--metadata ds2-5-body-xs">2011</p><p class="ds-related-work--abstract ds2-5-body-sm">The concept of digital economy means digitalization of information using information and communication technology infrastructure profitable for accelerating local and international business activity of Indonesia in the globalization era. It encompasses trading of goods and services with sales and supply using digital economy. Electronic money transaction as in e-banking transaction, auto teller machine, debet card and the internet credit card</p><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"Modelling the Digital Economy Development in Indonesia","attachmentId":71651677,"attachmentType":"pdf","work_url":"https://www.academia.edu/56098281/Modelling_the_Digital_Economy_Development_in_Indonesia","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-wsj-grid-card-view-pdf" href="https://www.academia.edu/56098281/Modelling_the_Digital_Economy_Development_in_Indonesia"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div><div class="ds-related-work--container js-wsj-grid-card" data-collection-position="8" data-entity-id="72137889" data-sort-order="default"><a class="ds-related-work--title js-wsj-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/72137889/Unequal_Developments_in_Indonesia_s_Digital_Based_Economy_and_Its_Implications">Unequal Developments in Indonesia’s Digital-Based Economy and Its Implications</a><div class="ds-related-work--metadata"><a class="js-wsj-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="140947141" href="https://independent.academia.edu/SRIADININGSIH10">SRI ADININGSIH</a></div><p class="ds-related-work--metadata ds2-5-body-xs">Jurnal Ekonomi Indonesia, 2019</p><p class="ds-related-work--abstract ds2-5-body-sm">Despite having emerged for just some years, the development and growth of the digital-based economy in Indonesia is exponential. This study uses the Purposive Random Sampling and Descriptive Analyses method to assess the developments of the digital-based economy in several provinces in Indonesia. The Java-Bali region is more advanced in its digital-based economy compared to other provinces in Indonesia due to its infrastructure, human resources, and government policies which are more supportive. The inequalities between provinces remain a concern for it may directly correlate to a corresponding increase in disparity. Digital-based economy, if it is well-equipped with infrastructure and well-supported by local government, may serve as a balm given its potential as a tool to raise prosperity and equality in society. It will help prepare and equip those in remote rural areas, known as the bottom of the pyramid.</p><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"Unequal Developments in Indonesia’s Digital-Based Economy and Its Implications","attachmentId":81187469,"attachmentType":"pdf","work_url":"https://www.academia.edu/72137889/Unequal_Developments_in_Indonesia_s_Digital_Based_Economy_and_Its_Implications","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-wsj-grid-card-view-pdf" href="https://www.academia.edu/72137889/Unequal_Developments_in_Indonesia_s_Digital_Based_Economy_and_Its_Implications"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div><div class="ds-related-work--container js-wsj-grid-card" data-collection-position="9" data-entity-id="85251026" data-sort-order="default"><a class="ds-related-work--title js-wsj-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/85251026/Digital_Transformation_of_Small_Medium_Enterprises_A_Descriptive_Analysis_of_Quick_Response_Indonesia_Standard_Data">Digital Transformation of Small Medium Enterprises: A Descriptive Analysis of Quick Response Indonesia Standard Data</a><div class="ds-related-work--metadata"><a class="js-wsj-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="65705451" href="https://independent.academia.edu/AriantoMuditomo">Arianto Muditomo</a></div><p class="ds-related-work--metadata ds2-5-body-xs">Jambura Equilibrium Journal</p><p class="ds-related-work--abstract ds2-5-body-sm">The purpose of this study is to explain the digital transformation of Indonesian micro and medium enterprises (SMEs) through descriptive data analysis on the implementation of the Indonesian quick response standard (QRIS) through the end of 2021. The implementation of QRIS in Indonesia increases literacy and electronic financial inclusion among Indonesian SMEs, attempting to make it easier for the government to conduct better monitoring of SME transactions. The development of QRIS, which began in 2019, has proven to be capable of improving the documentation of digital financial inclusion of SMEs with 14.78 million merchants, the majority of whom are SME merchants, specifically micro business merchants (UMI), small business merchants (UKE), and medium business merchants (UME). Similarly, SMEs dominate in terms of volume and nominal transactions. This descriptive analysis will provide an overview of the evolution of SME digitization in Indonesia, which market players and regulators ca...</p><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"Digital Transformation of Small Medium Enterprises: A Descriptive Analysis of Quick Response Indonesia Standard Data","attachmentId":90006781,"attachmentType":"pdf","work_url":"https://www.academia.edu/85251026/Digital_Transformation_of_Small_Medium_Enterprises_A_Descriptive_Analysis_of_Quick_Response_Indonesia_Standard_Data","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-wsj-grid-card-view-pdf" href="https://www.academia.edu/85251026/Digital_Transformation_of_Small_Medium_Enterprises_A_Descriptive_Analysis_of_Quick_Response_Indonesia_Standard_Data"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div></div></div><div class="ds-sticky-ctas--wrapper js-loswp-sticky-ctas hidden"><div class="ds-sticky-ctas--grid-container"><div class="ds-sticky-ctas--container"><button class="ds2-5-button js-swp-download-button" data-signup-modal="{"location":"continue-reading-button--sticky-ctas","attachmentId":108331143,"attachmentType":"pdf","workUrl":null}">See full PDF</button><button class="ds2-5-button ds2-5-button--secondary js-swp-download-button" data-signup-modal="{"location":"download-pdf-button--sticky-ctas","attachmentId":108331143,"attachmentType":"pdf","workUrl":null}"><span class="material-symbols-outlined" style="font-size: 20px" translate="no">download</span>Download PDF</button></div></div></div><div class="ds-below-fold--grid-container"><div class="ds-work--container js-loswp-embedded-document"><div class="attachment_preview" data-attachment="Attachment_108331143" style="display: none"><div class="js-scribd-document-container"><div class="scribd--document-loading js-scribd-document-loader" style="display: block;"><img alt="Loading..." src="//a.academia-assets.com/images/loaders/paper-load.gif" /><p>Loading Preview</p></div></div><div style="text-align: center;"><div class="scribd--no-preview-alert js-preview-unavailable"><p>Sorry, preview is currently unavailable. 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