Digital Payment Adoption and Household Consumption Patterns in Urban West Java A Conceptual Framework

Arif Budi Raharja (STIE YKP, Yogyakarta)
Maya Ariyanti (Telkom University)

KISA INSTITUE : Journal of Economics, Accounting, Business, Management, Engineering and Society
Vol. 3 No. 10 (2026): Kisa Institute : October 2026

Purpose: This conceptual article explains the relationship between digital payment adoption and household consumption in the Indonesian context. Approach: It integrates theoretical arguments and prior studies through a structured narrative review. Conceptual synthesis: The framework identifies payment convenience, transaction visibility, and reduced purchasing friction as the principal explanatory channels. The relationships depend on financial literacy, household budgeting discipline, merchant acceptance, and consumer protection. Conclusion: The framework provides testable propositions for future empirical research. No primary survey, interview, experiment, or regression result is claimed.