The Indonesia Digital Payment Puzzle: Unraveling User Segmentation via Transaction Behaviors

Abstract

This research discusses the rapid development of technology and how it can affect the dynamics of life, especially in the economic sector and digital payments in Indonesia. Increasing internet usage and adoption of digital payments are the main focuses here. Digital wallets are one of the technological developments, namely digital payments. This digital wallet has relatively many users and continues to increase over time. There are several well-known digital wallets, namely Shopeepay, OVO, Dana, GoPay, etc. All digital wallet services strive to provide the best service to consumers. Where consumer satisfaction affects consumer behavior of a product or service. The study also highlights the importance of financial literacy in influencing a person's financial behavior. This study aims to see how transaction patterns affect the segment of digital payment usage in Indonesia, which is to help digital payment service providers improve their services.