Type of Research Design

This is an exploratory kind of study. It isn't expected to give conclusive evidence, however,
assists with having a superior comprehension of the issue. Exploratory research configuration
doesn't mean to give the last and indisputable responses to the research questions, however
merely explore the research topic with varying levels of depth.

Source of Data

In this research study " Primary and Secondary Data Collection Method" is used.

Data Collection

An exploratory research design approach has been followed by using the primary data
collected through questionnaire. The data has also been taken from published books and
various government standards. The selection criteria were based on top-cited research papers
on Google scholar website.

FUTURE WORKS

Apart from all that, it is advisable to hold further studies by expanding the research location
and increasing the number of samples. After all, recently, people are more motivated to
transact online because it is advisable to stay at home if it is not urgent to leave the house, in
addition, further research can also be carried out on other generations such as generation X
and generation Z, the use of other theory and statistical techniques can be made as a
comparison with the results of this study so that researchers and other parties can obtain
broader knowledge and behavior to use digital payment services.