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. [...]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.). [...]it is a fast and convenient transaction process and less labor cost that persuades people to use it (Hayasi. [...]of coding and selecting the interview transcripts, the data can then be decrypted and discussed in the results and discussion sections below.
e-Wallet usage intensity and the determining factors during pandemics: A closer look on Indonesian students' perspectives