Analysis of The Use of E-Money during the COVID-19 Pandemic of University Students

The Covid-19 pandemic makes people must adapt quickly, especially in digital money adoption. This study analyzes the effect of e-money on the consumptive behavior of students. This study uses a quantitative research design with a descriptive approach. This research's data was collected through the distribution of questionnaires with digital form media to Bina Nusantara University (Indonesia) students with an average age of 18 to 22. While the sample was selected using a purposive sampling technique. The total sample of the study amounted to 136 people. The results of this study show that there is a high level of consumptive behavior and a high level of use of electronic money services, especially for students. For some students, electronic money is not a substitute for paper money, but it is only used when there is a need or an exciting promotion. Students have also experienced problems or bad experiences in using electronic money services. This identified problem can be a suggestion for the company of this electronic money service to minimize the problems experienced by some students as active users of electronic money services.