In an article in the WSJ stated that the first cause of why the people of Indonesia until now still there who have never been online shopping is the low penetration of credit and debit cards. Based on data from Euromonitor International in 2013, there are 92 million or more than 40% of the bank account that is linked to credit and debit card out of a total population of Indonesia to reach 240 million. When compared to the penetration of mobile phones, this figure is still low since about 85% of the people of Indonesia have a mobile phone which every month they spend 661 pages for browsing.
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