UNDERSTANDING THE CONTINUANCE OF ELECTRONIC PAYMENTS USAGE AFTER COVID-19: A SURVEY IN INDONESIA

During the ongoing pandemic with elevated COVID-19 cases, efforts to minimize direct physical contact for virus prevention have been heightened. Consequently, there has been a strong emphasis on adopting non-cash transactions, particularly electronic payments. As the Indonesian government revoked the social restriction policy on December 30, 2022, people gradually resumed normal activities such as work, school, and shopping. The question arises whether the widespread adoption of electronic payments will persist after COVID-19. To understand this and the factors influencing the sustained use of electronic payments, this study utilized the UTAUT, Trust, and Perceived Security as the research model. The findings indicate that all 920 survey participants maintain their electronic payment usage after COVID-19. Through PLS-SEM analysis, key factors contributing to the sustained use of electronic payment after COVID-19 include the intention to use electronic payments, user trust, performance expectations, facilitating conditions, and perceived security. Additional variables proposed in this research, user trust and perceived security, are proven to have an influence on users' intentions to continue using electronic payments.