Abstract
COVID-19 has changed the way we live to the extent of many choices in our lives. Physical distancing measurement that took place months, followed by restriction to travel, to reduce mobility, has been gradually implemented by the government of Indonesia. The e-wallet transaction by volume during the pandemic accounts for 1,7 million times with 67 total users in Indonesia. This study is comprehensive on previous research on 2020 with a smaller sample. This research is aimed to find out 1) the usage intensity of e-wallet amongst them and 2) to understand the underlying factors of using such e-wallet. The data is collected by interviewing 100 students in Universitas Negeri Malang, Indonesia. The data was then analyzed using NVIVO and interpreted using content analysis to reach the objective of this research. It is found out that 1) undergraduate students use it quite frequently, and 2) three key factors as the determining factors, namely practicality efficiency, and discount. This research aims to contribute to the digital payment literature and future research agenda on e-wallet amongst undergraduate students during pandemic and post-pandemic.
Highlights
COVID-19 has changed the way we live to the extent of many choices in our lives
According to official government data (2021), Indonesia reached its COVID-19 peaks in July and August 2021, with data recorded highest of 41,000 daily cases
It can be concluded that generation Z in Indonesia is tech-savvy
Summary
COVID-19 has changed the way we live to the extent of many choices in our lives. Physical distancing measurement that took place months, followed by restriction to travel, to reduce mobility, has been gradually implemented by the government of Indonesia. According to official government data (2021), Indonesia reached its COVID-19 peaks in July and August 2021, with data recorded highest of 41,000 daily cases. The health system was collapsed which the government enacted travel restrictions and curfew. A closing mandate is erected to public places and prominent tourism spots from July to October 2021 to limit citizens' mobility and control the spread(OCHA, n.d.). As people stay at home more often, their consumption styles shift to online purchasing more
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