Rural E-commerce Development Based on Legitimacy and Local Wisdom: An Integrative Review of Platform Innovation, Credit Risk Analysis, and Digital Empowerment Strategies in Indonesia

The growth of e-commerce in Indonesia, especially in rural areas, has triggered the need to integrate technological innovations with local wisdom in order to promote digital inclusion and sustainable economic development. This review article integrates a literature analysis from three related international studies: legitimacy building and the development of e-commerce platforms, the application of game theory in credit risk analysis, and strategies for e-commerce development in rural areas of BRICS countries. A comparative approach was employed by examining key findings and existing conceptual frameworks, which were then tailored to the cultural and socio-economic context of Indonesia. The review reveals that the synergy between legitimacy-building strategies, risk management mechanisms based on game theory, and the implementation of local values is a crucial factor in enhancing consumer trust and optimizing the growth of digital platforms. Consequently, the article concludes that the success of rural e-commerce development in Indonesia heavily relies on the adaptation of technological innovations that are responsive to local characteristics and proactive risk management. Strategic recommendations are provided for stakeholders to foster policies that support an inclusive and competitive digital transformation.