Title: Collaboration technology usage for decision in utilising e-wallet in the new normal society: evidence from Greater Jakarta, Indonesia

Authors: Sylvia Samuel; John Tampil Purba

Addresses: Faculty of Economic and Business, Universitas Pelita Harapan, Indonesia ' Faculty of Economic and Business, Universitas Pelita Harapan, Indonesia

Abstract: The analysis suggests a research conceptual model for determining the digital technology approach in the application of e-wallet financial technology by customers, particularly after COVID-19 in Indonesia. E-wallets, a critical digital technology within Fintech, collaborate with various industries, such as online transportation and e-commerce marketplaces to help companies in Indonesia meet customer needs despite government restrictions during the pandemic. This study's participants were millennials who use commonplace digital wallet applications in the urban area of Greater Jakarta. The findings show that all variables significantly impacted people's decisions to purchase digital wallet technology in the pre-new normal of the COVID-19 pandemic. The power of e-wallet digital applications linked to the internet, big data, smartphones, and secure and comfortable technology power has encouraged urban society to employ them. Finally, the digital wallet industry and other information urban ecosystems offer various business options for the post-era of COVID-19.

Keywords: credibility; decision; digital wallet; ease of use; subjective norms; usefulness; Indonesia.

DOI: 10.1504/IJMDM.2025.142940

International Journal of Management and Decision Making, 2025 Vol.24 No.1, pp.35 - 55

Received: 17 Mar 2023
Accepted: 27 Aug 2023
Published online: 02 Dec 2024 *

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