The External Value Creation Factors in Indonesian Fintech E-Wallet Based on Customer Perspective

Value Creation is very important in today's digital era, especially in adoption of E-wallet among millennials, of course, this development is very interesting because with the existence of value creation, it can increase the value of a fintech company from the customer's perspective. This study aims to find out what external factors can influence the development of fintech e-wallet in Indonesia. For a research, the methodology used is really important to define a good result. Questionnaires are an important tool in collecting data in this study to collect data from fintech e-wallet users. Literature review is used as a means of supporting theories or hypotheses put forward in this study. Related external factors to be discussed: government policy and legal, financial and capital investment, physical environment, and telecommunication infrastructure. Therefore, this research is intended to find out what external value creation factors that can help fintech e-wallet company to define what strategies that suitable with its culture, and also can increase the potential use of fintech e-wallets in Indonesia so that the fintech e-wallet climate can continue to compete and survive with uncertain economic conditions in the era recently.