EXPLORING MILLENNIALS' DIGITAL PAYMENT ADOPTION: THE INTERPLAY OF COMFORT, SECURITY AND COVID -19

This empirical study investigates the impact of increased digital transaction usage during the COVID-19 pandemic on security concerns and comfort levels among Millennial users, considering demographic factors like gender and income. Using purposive sampling, 100 respondents experienced in digital transactions were surveyed, with 46 questionnaires analyzed. Both conventional p-value and robust BCa bootstrap methods were employed for analysis, with effect size reported. Findings reveal that male user’s exhibit higher security concerns than females, and middle-income individuals express greater apprehension compared to lowerincome counterparts. However, the study's limitations suggest the need to explore additional demographics like age, education, occupation, and rural/urban residence, especially focusing on rural populations. Practical implications emphasize the persistent security concerns despite forced adoption, urging developers and service providers to enhance transaction security. This study's innovative multi-method approach underscores its originality and highlights the enduring importance of addressing security issues in digital transactions, particularly amidst the pandemic's influence.