Husain Insawan, Alwahidin, Beti Mulu and Kiki Novita Sari
Household consumption is one of the essential foundations of a country's economic growth. Encouraging household consumption through technology is a necessity. On the other hand, for regulators and even academics, digital financial inclusion is not familiar with shifts in consumption patterns in society. This study examines the impact of digital inclusion on household consumption in Indonesia. The research model based on previous research uses the OLS (Ordinary Least Square) econometric basis. In addition to testing the direct relationship between variables, this model will also examine the indirect relationship with technology variables. The per capita consumption database will be collected through IFLS and BPS data sources, while digital financial data will be through a digital financial inclusion index developed using the extensive database provided by IFLS and the level of development of information technology. The test results show that digital financial inclusion can encourage household consumption. In the consumption category, digital finance is positively correlated with spending on food, clothing, housing needs, health, and education and recreation spending. An analysis of the mediating model variables found that online shopping, digital payments, online credit, online purchase of financial services, and insurance business become the primary mediating variable of the impact between digital finance variables and household consumption.