Digital Commerce Transformation: A Study On The Impact Of E-Money, E-Wallet, And E-Commerce Use On Consumer And Financial Behavior

This research is a study of the impact of the use of e-money, e-wallet, and e-commerce on consumers and financial behavior in Indonesia. The research method used is descriptive quantitative using secondary data from sources such as Bank Indonesia and the Ministry of Communication and Information. The data includes e-money usage statistics, e-wallet usage surveys, and e-commerce transaction data from leading platforms. A descriptive analysis will be carried out to identify trends and patterns in the use of this digital payment technology by consumers and their impact on financial behavior. Data from Bank Indonesia shows a significant increase in the use of e-money, with the amount of e-money in circulation increasing by 34.28% from the end of 2021. A survey by the Ministry of Communication and Information (Kominfo-Indonesia) also noted that around 65.4% of respondents more often use e-wallets for non-cash transactions. The use of digital payment technology has brought changes in consumer behavior, who tend to be more active in shopping online. However, it should be remembered that the use of e-money, e-wallet, and e-commerce must also pay attention to security and consumer protection aspects. The study recommends a deeper analysis of transaction security and the protection of consumers’ data. In addition, it is recommended to continue research on the influence of digital payment technology on consumer financial management and consumer sentiment analysis on digital commerce transformation.