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Using mobile-based payments for transactions can be a method to maintain social distancing, preventing the spread of the Covid-19 virus. The continuous usage can be ensured by replacing physical banking transactions, provided the users are satisfied and convinced of its benefits. Besides, most of the services have been offered through online platforms, and consumers are forced to explore online payment options. Hence, this study aims to propose a conceptual framework of mobile payments adoption and its continuance intention. The subject of the study constitutes new adopters of mobile payments. Future research will include validating the proposal framework using empirical data.

The purpose of this study is to explore the influence of financing gap on firm's financial structure (FS). In this regard, the research framework divides financing gap into four dimensions, namely: demand gap (DG), supply gap (SG), knowledge gap (KG) and empathy gap (EG). This study uses primary data as a basis for conducting empirical analysis. The sample to be used in this study is MSME owners in Central Java Province who have applied for financing through formal financial institutions (such as banks, Credit Union or other formal financial institutions). The results that can be concluded through the Partial Least Squares Structural Equation Modeling (PLS-SEM) technique are that demand gap (DG) and knowledge gap (KG) do not have a significant effect on the MSME's financial structure, while supply gap (SG) and empathy gap (EG) have a significant effect on the MSME's financial structure.

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