The Role of IoT in Smart Payment and Digital Transformation to Improve Transaction Security and Efficiency: A Systematic Literature Review

Abstrak

Equitable access to digital technology is an important factor in realizing
economic inclusiveness, especially in the era of rapid digital transformation. This
research discusses the unequal access to digital technology in Indonesia and its
impact on economic inclusiveness, especially in the context of ASEAN leadership
2023. Using policy analysis and literature review methods, this research examines
Indonesia's strategy in encouraging community participation in the digital economy
as well as ASEAN's role in supporting such initiatives. The main findings show that
Indonesia's strategy includes developing digital infrastructure, improving digital
literacy, and collaborating with the private sector. Awareness of the importance of
inclusivity in digital economy policy is also increasing. The study concludes that the
continuation of infrastructure development and digital literacy is necessary, with the
implication that close collaboration between the government, private sector, and
society is key in creating an inclusive digital economy ecosystem.