Survey: Majority of Indonesians Have Never Accessed the Internet or Mobile Banking

A significant portion of the Indonesian population currently does not use internet banking or mobile banking. According to a survey conducted by the Ministry of Communication and Informatics (Kominfo) with the Katadata Insight Center (KIC), titled "Status Literasi Digital di Indonesia 2021," 62.9% of respondents admitted to never accessing internet banking or mobile banking transactions.

Internet banking, also known as e-banking, is a service used to conduct various financial transactions on the bank's official website via a browser. The website is accessible if the customer has an internet connection and is registered for the service. Meanwhile, mobile banking can only be operated through a mobile application provided by the relevant bank and also requires an internet connection.

The survey also revealed that a high percentage of respondents, 15.8%, reported infrequent use of internet or mobile banking transactions. Furthermore, 8.20% stated they very rarely use internet or mobile banking.

Conversely, 11.4% of respondents reported frequent use, while only 1.70% reported very frequent use of internet or mobile banking.

The survey comprised 10,000 respondents, with the sample determined as household members aged 13-70 who accessed the internet within the last three months.

(read: Digital Financial Services Still Less Popular Than Conventional Services)