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Question from Dr. Erwin Halim 2020.12.22 13:40:08 Dear Pak Yakob, Regarding your research about Pay Later and the result give a significant result, why people still using other e-wallet system than Pay Later system? it is because a new method for users or what? Thank you for your answer. regards, Erwin Halim

Reply from Mr. Yakob Utama Chandra 2020.12.22 13:54:27 Dear Mr. Dr. Erwin Halim Thank You very much for your question. Let me answer that the e-wallet system now is more convenient for every people. Especially in this pandemic era, the e-wallet system is more effective when we will pay online. I think this is a new method, but we looked at every people need a new technology that can improve our business process on every activity. I hope this can answer your question. Thank You

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