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eISSN: 2581-9615 || CODEN: WJARAI || Impact Factor 8.2 ||  CrossRef DOI

Research and review articles are invited for publication in March 2026 (Volume 29, Issue 3) Submit manuscript

Acceptance analysis of payment system Quick Response Code Indonesian Standard (QRIS) using technology acceptance model

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  • Acceptance analysis of payment system Quick Response Code Indonesian Standard (QRIS) using technology acceptance model

Deki Nur Fitrian *, Widayanto and Hari Susanta Nugraha

Department of Business Administration, Diponegoro University, Semarang, Indonesia.
 
Research Article
World Journal of Advanced Research and Reviews, 2024, 23(02), 073-084
Article DOI: 10.30574/wjarr.2024.23.2.2292
DOI url: https://doi.org/10.30574/wjarr.2024.23.2.2292
 
Received on 20 June 2024; revised on 28 July 2024; accepted on 31 July 2024
 
Digital age has a significant impact on people's daily activities. One of the benefits of digitalization is the emergence of digital payment systems to facilitate transactions. QRIS (Quick Response Indonesian Standard) is one of the non-cash payment systems launched by Bank Indonesia and the Indonesian Payment Systems Association in 2019. Although QRIS continues to increase users every year, the tendency of Indonesian people to use cash or debit cards for transactions is still high. In addition, the discovery of security loopholes in the QRIS payment system also makes people hesitant to use the system. This study aims to examine the effect of perceived ease of use, perceived usefulness, perceived security on actual usage through behavioral intention to use as an intervening variable. The type of research used is explanatory research. Sampling was carried out using non-probability techniques with purposive sampling and accidental sampling methods. The population of this study was QRIS users residing permanently or temporarily in Semarang City. Data processing was carried out using the SmartPLS 3.2.9 software. The results of this study showed that perceived ease of use did not influence actual usage, either directly or indirectly. However, perceived usefulness and perceived security have an indirect effect on actual usage. The influence of behavioral intention to use is full mediation on perceived usefulness and perceived security on actual usage.
 
Technology acceptance model; Partial least square; Perceived ease of use; Perceived usefulness; Perceived security; Behavioral intention to use; Actual usage
 
https://wjarr.com/sites/default/files/fulltext_pdf/WJARR-2024-2292.pdf

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Deki Nur Fitrian, Widayanto and Hari Susanta Nugraha. Acceptance analysis of payment system Quick Response Code Indonesian Standard (QRIS) using technology acceptance model. World Journal of Advanced Research and Reviews, 2024, 23(2), 073-084. Article DOI: https://doi.org/10.30574/wjarr.2024.23.2.2292

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