The Influence of Mobile Money Adoption and Usage and Digital Consumer Protection on Financial Inclusion in Indonesia

Abstract

The purpose of this study was to verify the influence of Mobile Money Adoption and Usage (MMAU) and Digital Consumer Protection (DCP) on Financial Inclusion (FI) among Financial Technology users in Indonesia using the Diffusion of Innovation (DOI) theory and Restricted Access / Limited Control (RALC) theory. The data used was primary data obtained through the distribution of Google Form. The number of samples that have been obtained is 403 respondents. The results show that MMAU and DCP have positive and significant influence on FI. The originality of this research is that this research is the first attempt in using fintech with the Diffusion of Innovation (DOI) theory and Restricted Access / Limited Control (RALC) theory.