“…At that time, he EFT app still limited to big company and finance institution (Samad, 2019). Application for transaction finance next experience development with existence Electronic Data Interchange (EDI), which is evolving from transaction finance to processing other transactions and enlarge companies involved as well as, institutions finance, manufacturing company, retail, service, and so on (Samad, 2019). Even more with internet service getting more advance in beginning of 1990s, which gave very big influence for system known world economy with draft digital economy, where concept of digital economy was first introduced by Tapscott in 1995 is a phenomenon of social influence system economy, where phenomenon the have characteristics as a room intelligence, including information, various access to instrument information, capacity information and processing information (Sayekti, 2018).…”