Abstract: The presence of the digital economy is felt by the increasing rise of business and commerce that use the internet as a medium of communication and collaboration of relationships between companies and individuals. In the early 1990s, almost the entire world was affected by the internet revolution, whose main impact was the declining cost in financial transactions. The growth of smartphone user rates in the mid-2000s affected the growth rate of mobile finance, such as mobile payments and mobile banking, which is an extension of financial services.