The emergence of social distancing and stay at home regulations during the COVID-19 pandemic directly affects people’s lifestyle, including baby boomers and X generation. Many of them have started using digital payments for online or offline transactions to minimize contact with others. This study aims to analyze the continuance intention of the baby boomers and X generation toward the use of digital payments using UTAUT2 (Unified Theory of Acceptance Technology). Data were collected from 320 users with an age range of 40–74 who had just started using digital payments during this pandemic. Structural equation modeling has been used to analyze the data. The result indicates that UTAUT indicators positively affect user satisfaction. User satisfaction positively affects inertia. Overall satisfaction and inertia positively affect continuance intention. Therefore, digital payment companies and banks with digital services can expand their target market beyond Millennials and pay more attention to the older generation like baby boomers and X generation. Managers can find the results of this study useful and beneficial to develop their marketing strategy and take advantage of this situation to increase digital payment users to a broader age range.

在 COVID-19 大流行期间出现的社会疏远和呆在家里的规定直接影响了人们的生活方式，包括婴儿潮一代和 X 代。他们中的许多人已经开始使用数字支付进行在线或离线交易，以尽量减少与他人的接触。本研究旨在分析婴儿潮一代和 X 一代使用 UTAUT2（接受技术统一理论）使用数字支付的持续意愿。数据是从 320 名年龄在 40-74 岁之间的用户那里收集的，这些用户在这次大流行期间刚刚开始使用数字支付。结构方程模型已被用于分析数据。结果表明，UTAUT 指标对用户满意度有积极影响。用户满意度对惯性产生积极影响。总体满意度和惯性积极影响持续意愿。因此，拥有数字服务的数字支付公司和银行可以将目标市场扩展到千禧一代之外，更多地关注婴儿潮一代和X世代等老一代。管理人员可以发现这项研究的结果对制定他们的营销策略有用和有益，并利用这种情况将数字支付用户增加到更广泛的年龄范围。