The spatial disparity has become one of the biggest challenges in developing countries. However, relatively few studies have examined the mechanism of spatial inequality that explains digital inequality. Amid many closed retail businesses and sluggish public purchasing power issues, e-commerce businesses can survive. Therefore, there is a need for research on the socioeconomic characteristics which form the individual's decision to adopt of internet, ecommerce, and e-banking from the household side as one of the economic actors. In this study, descriptive analysis and logistic regression methods were used with the primary data from the National Socio-Economic Survey (SUSENAS) in 2017. Besides that, Potensi Desa (PODES) and HDI data, Gini Index and percentage of poverty are also used in this study. The results of this study using logistic regression show that individuals who have greater opportunities to become the internet, e-commerce, and e-banking users have the characteristics of young age, college graduates, owning a cellphone, using a computer, working, per capita expenditure, and living in urban areas and having adequate infrastructure telecommunications.