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Journal articles on the topic 'Perceived Benefits of QRIS'

Author: Grafiati
Published: 5 June 2025
Last updated: 2 August 2025

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1

Ida Bagus Gede, Arsa Wedhana, and Mahyuni Luh Putu. "Consumer Perceptions of Benefits and Barriers of QRIS in Coffee Shop Businesses." JRMSI - Jurnal Riset Manajemen Sains Indonesia 14, no. 02 (2023): 91–102. http://dx.doi.org/10.21009/jrmsi.014.2.08.

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This study aims to empirically examine the factors that influence the intention or interest of coffee shop consumers to use QRIS in Denpasar, Bali. By understanding the factors that shape coffee shop consumer interest in using QRIS, it is hoped that the implications for business practices and policies will be more effective. Empirical data was collected by distributing questionnaires online involving 446 respondents and analyzed using SmartPLS3. This study provides empirical evidence that consumers' intention to use QRIS is positively and significantly influenced by perceived benefits and soci
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Amamilah, Siti, Dedi Mulyadi, and Santi Pertiwi Hari Sandi. "Pengaruh Persepsi Kemudahan Penggunaan, Persepsi Efektivitas Dan Persepsi Manfaat Terhadap Minat Penggunaan QRIS Sebagai Alat Transaksi Pembayaran Pada Mahasiswa Universitas Buana Perjuangan Karawang." Journal of Economic, Bussines and Accounting (COSTING) 7, no. 2 (2024): 2992–3001. http://dx.doi.org/10.31539/costing.v7i2.7444.

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This study aims to determine the effect and analyze the variables of perceived ease of use, perceived effectiveness and perceived benefits on interest in using the Quick Response Code Indonesian Standard (QRIS) as a payment transactions tool for 2019-2020 class students at Buana Perjuangan University, Karawang. In addition, this study also aims to determine the factors that most influence the intention to use QRIS. This study uses a descriptive verification method with a quantitative approach, with a sampling technique that is purposive sampling and uses the slovin formula. This research was c
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Seputri, Wirda, Andri Soemitra, and Nur Ahmadi Bi Rahmani. "Pengaruh Technolgy Acceptance Model terhadap Minat Mahasiswa Menggunakan Quick Response Code Indonesian Standard (QRIS) sebagai Cashless Society." MES Management Journal 2, no. 2 (2022): 116–26. http://dx.doi.org/10.56709/mesman.v2i2.57.

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The purpose of this study was to determine the effect of perceived trust, perceived benefits, perceived ease of use, and perceived risk on interest in using QRIS as a digital payment instrument. This study uses a quantitative approach. Collecting data using a questionnaire with a simple random sampling technique as many as 98 respondents. Perceived trust, perceived benefits, perceived ease of use and perceived risk have a contribution of 71% to interest in using QRIS, the remaining 29% is explained by other variables outside this research model. The results of the t-test concluded that the var
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Seputri, Wirda, Andri Soemitra, and Nur Ahmadi Bi Rahmani. "Pengaruh Technolgy Acceptance Model terhadap Minat Mahasiswa Menggunakan Quick Response Code Indonesian Standard (QRIS) sebagai Cashless Society." MES Management Journal 2, no. 1 (2022): 116–26. http://dx.doi.org/10.56709/mesman.v2i1.57.

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The purpose of this study was to determine the effect of perceived trust, perceived benefits, perceived ease of use, and perceived risk on interest in using QRIS as a digital payment instrument. This study uses a quantitative approach. Collecting data using a questionnaire with a simple random sampling technique as many as 98 respondents. Perceived trust, perceived benefits, perceived ease of use and perceived risk have a contribution of 71% to interest in using QRIS, the remaining 29% is explained by other variables outside this research model. The results of the t-test concluded that the var
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Firdaus, Risya Zahrotul, Yoshua Ardy Putra, Titik Purwinarti, et al. "The Influence of Perceived Benefits and Security of QRIS Use on Behavioral Intentions." Jurnal Manajemen dan Kewirausahaan 12, no. 2 (2025): 176–83. https://doi.org/10.26905/jmdk.v12i2.15027.

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The purpose of this study is to find out the development of the use of Quick Response Code Indonesian Standard (QRIS) as a digital payment method in Indonesia.This study uses the Technology Acceptance Model (TAM) to analyze the acceptance and use of QRIS among users. Data were obtained from literature studies and secondary data related to the development of QRIS in IndonesiaThe findings show that QRIS is well accepted by the general public, especially MSMEs, as a modern, fast, simple, secure, and reliable digital payment method. This is evidenced by a significant increase in the number of use
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Rahmawati, Fitri, and Santi Merlinda. "The effect of perceived benefits,ease of use, and risk on culinary MSMEs’ interest in utilizing QRIS." Journal of Business & Banking 14, no. 1 (2024): 19–38. https://doi.org/10.14414/jbb.v14i1.4674.

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The GNNT (National Non-Cash Movement) program is in line with fintech innovations that have a real impact on improving the efficiency of the payment system, financial inclusion, and the Indonesian economy. In the Kedungkandang sub-district area of Malang City, the number of culinary MSME units has increased, which can encourage GNNT to be realized. However, many culinary MSMEs have not optimized using QRIS as a non-cash payment tool. This study aims to see the effect of perceived benefits, ease of use, and risk on culinary msmes’ interest in utilizing QRIS. This research uses Quantitative meth
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Hutahayan, Brigina, Adolf Z. D. Siahay, and Ulfah Rizky Muslimin. "Pengaruh Persepsi Kemudahan Penggunaan, Persepsi Manfaat dan Risiko Terhadap Minat Pengunaan E – Payment Qris." JURNAL AKUNTANSI DAN KEUANGAN DAERAH 19, no. 2 (2024): 146–57. https://doi.org/10.52062/jaked.v19i2.4082.

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This study examines the influence of perceived ease of use, perceived benefits, and risks on interest in using QRIS e-payments among Cenderawasih University students, and analyses differences in interest based on faculty and gender. The background of this study is the increasing adoption of digital payments in Indonesia, including QRIS, but there is still limited research on the factors that influence interest in use among students. The purpose of the study was to analyse the effect of the three variables on interest in using QRIS and to examine differences in interest between faculty and gend
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Fadli, Nur Annisa, Purwati Purwati, and Markoni Badri. "Kualitas Layanan dan Persepsi Manfaat terhadap Kepuasan Nasabah Menggunakan QRIS pada PT Bank Sumsel Bangka Belitung." Jurnal Terapan Ilmu Ekonomi, Manajemen dan Bisnis 4, no. 1 (2024): 1–9. https://doi.org/10.5281/zenodo.11000514.

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<em>QRIS is a payment using the QR Code method that is easier, faster, and secure. Therefore the quality of service must be improved. This study aims to determine the use, service quality and perceived benefits of customer satisfaction using QRIS at PT Bank Sumsel Babel. This study uses a quantitative method which sources data from the results of questionnaires and data processing techniques using SPSS Version 26. This data processing uses multiple linear regression analysis. The results of this study conclude that the use of QRIS has an effect, because people in the current era use technology
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Usman, Osly, Markhamah Alianti, and Fidhyallah Nadya Fadillah. "Factors affecting the intention to use QRIS on MSME customers." International Journal of Applied Economics, Finance and Accounting 18, no. 1 (2024): 77–87. http://dx.doi.org/10.33094/ijaefa.v18i1.1323.

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This study investigates the factors influencing the intention to use the Quick Response Code Indonesian Standard (QRIS) among Micro, Small, and Medium Enterprises (MSMEs) customers in Indonesia. In this study, a quantitative approach was taken with the survey method using an online questionnaire that was distributed to 240 MSME customers. The collected data were analyzed using the Statistical Package for the Social Sciences (SPSS) and Structural Equation Modeling (SEM) using the Analysis of Moment Structures (AMOS) 24 to test their validity and reliability. The study results show that factors
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Jundy Kumoro, Chowal, Elda Yulia Ryandini, and Nurdin Samin. "Faktor-Faktor Yang Mempengaruhi Adopsi Pembayaran QR Code (QRIS) di Toko Fisik." Journal of Innovation in Management, Accounting and Business 3, no. 2 (2024): 97–112. http://dx.doi.org/10.56916/jimab.v3i2.865.

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In the digital transformation era, Quick Response Code Standar Indonesia (QRIS) has emerged as a highly effective solution for facilitating payment transactions in Indonesia. With millions of users and a substantial increase in transaction volume, QRIS plays a crucial role in the ongoing digitization of the financial sector. The prevalent use of mobile phones, reaching 67.88%, further supports the trend of non-cash transactions through e-wallets, e-money, and mobile banking. This quantitative descriptive study with 85 QRIS users in Surabaya aims to analyze perceived usefulness, relative advant
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Nuzul, Hidayat, Supratman Agus, Septi Utami Adinda, and Yuliastuti Tri. "The Decision to Use QRIS in UMKM is Seen from the Perceived Benefits and Perceived Ease of use with Intention as an Intervening Variable." Journal of Economics, Finance And Management Studies 07, no. 06 (2024): 3763–69. https://doi.org/10.5281/zenodo.12566864.

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This research aims to determine the influence of perceived benefits and perceived ease of use on the decision to use QRIS in UMKM with intention to use as a mediating variable. This research is quantitative research. The number of samples used was 150 samples. Sampling was carried out using purposive sampling technique. Sample collection was carried out using a questionnaire via Google Form. The data analysis method used to prove the truth of the hypothesis was carried out using Structural Equation Modeling (SEM) via Smart PLS software. From the results of hypothesis testing, it was found that
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Asmara, Maisa Azizah, Nurlia, Dina Fahma Sari, Andi Asrijal, and Humaidah Muafiqie. "Analysis of Supporting Factors for Payment Technology Utilization in MSMEs using Technology Acceptance Model (TAM) Method." Journal of Applied Science, Engineering, Technology, and Education 5, no. 2 (2023): 256–64. http://dx.doi.org/10.35877/454ri.asci2396.

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This study aims to analyze the factors that influence the adoption of digital payment technology in micro, small and medium enterprises (MSMEs) using the Technology Acceptance Model (TAM) method. This research uses a quantitative approach with a sample of 85 MSMEs in Bandung City that have used QRIS mobile digital payment services. This research uses a quantitative approach with primary data obtained from MSME owners or managers in Bandung City who have used QRIS digital payment services. The results of the analysis show that factors such as perceived ease of use, perceived benefits, and secur
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Alvaro, Clementino Rudolf, and Budi Setyawan Aris. "Analysis of the Influence of Consumer Trust, Perceived Benefits, and Usage Risks on QRIS User Satisfaction with Ease of Use as a Mediating Variable: A Case Study of Jatinegara District, East Jakarta." Journal of Economics, Finance And Management Studies 07, no. 10 (2024): 6592–96. https://doi.org/10.5281/zenodo.14050262.

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This research aims to analyze the influence of consumer trust, benefits, and risks on user satisfaction with QRIS (Quick Response Code Indonesian Standard) through ease of use. In today&rsquo;s era, payment or transaction systems are mostly conducted online using QR code scanning. Therefore, this research focuses on understanding the extent to which trust affects consumer satisfaction in using QRIS as a payment tool and explores the benefits of QRIS usage for the community. Additionally, the research assesses the impact of risks associated with using QRIS on user satisfaction. Ease of use serv
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Putra, Kristyawan Wihayanto, and Tri Nur Wahyudi. "Perceptions of MSME Actors Towards Using QRIS as a Cash Transaction Tool in Area Universitas Muhammadiyah Surakarta." Ilomata International Journal of Management 6, no. 1 (2024): 65–79. https://doi.org/10.61194/ijjm.v6i1.1431.

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This study aims to examine the perceptions of MSME actors regarding the use of QRIS as a non-cash transaction tool in the area of Muhammadiyah University of Surakarta, where the variables of perceived ease of use, perceived benefits, perceived risks, and perceived security represent perceptions. This type of research is quantitative, and the data used is primary. The data collection process in this study was conducted by distributing a questionnaire to respondents using Google Forms. Data analysis techniques with research instrument testing, classical assumption testing, multiple linear regres
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Annastasya, Jihan Wilanda, and Ni Putu Wiwin Setyari. "Determinants of Qris Use and Imports in Generation X in Bali Province." AURELIA: Jurnal Penelitian dan Pengabdian Masyarakat Indonesia 4, no. 1 (2024): 537–50. https://doi.org/10.57235/aurelia.v4i1.3861.

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Quick Response Code Indonesian Standard or QRIS is one of the strong attractions in the midst of financial system transformation implemented by the government and business actors. However, the number of QRIS users is only dominated by Generation Z and Generation Y who are familiar with technology compared to Generation X. The determinants of QRIS use and imports for Generation X in Bali Province are easy, safe and useful. This study aims to analyse easy, safe, benefits directly on the use of QRIS as well as to analyse easy, safe, benefits and the use of QRIS directly on imports and to analyse
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Jeni, Jeni. "THE EFFECT OF PERCEIVED BENEFIT, PERCEIVED RISK, PERFORMANCE EXPECTANCY, SOCIAL INFLUENCE AND HEDONIC MOTIVATION ON QRIS INTENTION USAGE IN PONTIANAK WITH CULTURE VALUES AS A MODERATION VARIABLE." Equator Journal of Management and Entrepreneurship (EJME) 13, no. 2 (2025): 162–78. https://doi.org/10.26418/ejme.v13i2.79867.

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This research is aims to examine the impact of perceived benefit, perceived risk, performance expectancy, social influence, and hedonic motivation on the intention to use QRIS in Pontianak, with culture values as a moderating variable. Using a quantitative survey method, the results show that perceived benefit, social influence, and hedonic motivation all have a positive and significant effect on the intention usage QRIS. Conversely, perceived risk has a negative and significant effect, while performance expectancy does not influence QRIS intention usage. Additionally, culture values do not mo
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Ekawati, Farida, Cik Alamsyah, and Ida Wati. "Analisis Keputusan Gen Z dalam Menggunakan Qris Sebagai Alat Pembayaran Digital." JOURNAL OF INTERDISCIPLINARY SCIENCE AND EDUCATION 4, no. 1 (2024): 49–58. https://doi.org/10.70371/jise.v4i1.260.

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This study aims to analyze the decision-making process of Generation Z in using QRIS as a digital payment tool. QRIS (Quick Response Code Indonesian Standard) is a standardized payment method based on QR codes developed by Bank Indonesia (BI) and the Indonesian Payment System Association (ASPI). The research adopts a quantitative approach, using a questionnaire distributed to 100 respondents as the sample. Data analysis is conducted using multiple linear regression with the assistance of SPSS software. The results show that, in part, the variables of perceived usefulness, trust, and security r
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Ramdhani, Ardian, Syifa Syafitri, Dea Rizki Amalia, Kiki Lanfadilan, and Alief Padillah Ahmad. "THE INFLUENCE OF PERCEIVED EASE OF USE AND PERCEIVED USEFULNESS ON THE DECISION TO USE OF QRIS AS A DIGITAL PAYMENT IN GENERATION Z IN THE CITY OF BANDUNG." Jurnal Bisnis dan Ekonomi 2, no. 3 (2024): 371–89. http://dx.doi.org/10.61597/jbe-ogzrp.v2i3.44.

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This study aims to examine the effect of perceived ease of use and perceived usefulness on the decision to use QRIS as a digital payment for Generation Z in Bandung City. Money, both in paper and metal form, has an important role in economic transactions. However, with the development of financial technology (fintech) technology, payment methods are starting to shift from cash to digital. Quick Response Code Indonesian Standard (QRIS) is a QR code standard implemented to facilitate digital payments in Indonesia. This research uses a quantitative method with a descriptive approach, and data is
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Kirayna Evitasari, Kirayna Evitasari, Nelvina Ivana, and Osly Usman. "The Influence of Financial Literacy, Perceived Benefits, and Perceived Ease of Use on QRIS Usage Decision among Students in DKI Jakarta with Trust as a Mediating Variable." International Student Conference on Business, Education, Economics, Accounting, and Management (ISC-BEAM) 1, no. 1 (2024): 89–112. http://dx.doi.org/10.21009/isc-beam.011.06.

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This study aims to determine the influence of financial literacy, perceived benefits, perceived ease of use on usage decisions mediated by trust in the Indonesian Standard Quick Response (QRIS) transaction service among students in DKI Jakarta. The sample size in this study consists of 102 student respondents in DKI Jakarta who conduct transactions with QRIS. The chosen sampling method is purposive sampling. The independent variables in this study are financial literacy, perceived benefits, and perceived ease of use. The dependent variable in this study is the usage decision, while the mediati
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Deki, Nur Fitrian, Widayanto, and Susanta Nugraha Hari. "Acceptance analysis of payment system Quick Response Code Indonesian Standard (QRIS) using technology acceptance model." World Journal of Advanced Research and Reviews 23, no. 2 (2024): 073–84. https://doi.org/10.5281/zenodo.14833210.

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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 th
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Tatian, Calysta Tartila, Nurabiah, Rini Ridhawati, and Hoang Thi Phuong Thao. "From wallets to screens: Exploring the determinants of QRIS payment adoption among Millennials in Eastern Indonesia." JEMA: Jurnal Ilmiah Bidang Akuntansi dan Manajemen 21, no. 1 (2024): 87–113. http://dx.doi.org/10.31106/jema.v21i1.21712.

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In response to the global challenges and the demands of the digital revolution, Bank Indonesia launched the Quick Response Code Indonesian Standard (QRIS), a unified payment system designed to enhance convenience and security. Despite these potential benefits, the adoption rate of QRIS has been relatively slow. This study aims to understand the factors driving the adoption of QRIS among Millennials in Eastern Indonesia by examining how attitudes, subjective norms, and perceived behavioral control affect their intention to use QRIS. Using a quantitative approach and Partial Least Squares Struct
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Permanasari, Kartika Indah, Endang Siti Astuti, Kadarisman Hidayat, and M. Kholid Mawardi. "Impact Technology Factors on Trust and Intent to Use QRIS." KnE Social Sciences 10, no. 13 (2025): 220–26. https://doi.org/10.18502/kss.v10i13.18963.

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Electronic payment systems have become an important part of modern life, driven by rapid advancements in digital technology. One such innovation is the QRIS (Quick Response Code Indonesian Standard) payment system, developed by Bank Indonesia to simplify and unify various electronic payment services. This study explores the influence of key technological factors in users’ intentions to adopt QRIS, with trust acting as a mediating variable. Using the Technology Acceptance Model (TAM), the research investigates how perceived ease of use, perceived usefulness, and security/privacy affect users’ w
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Febriandika, Triyan, Ike Kusdyah Rachmawati, and Theresia Pradiani. "THE STUDY OF THE IMPLEMENTATION OF THE HOT-FIT MODEL IN ANALYZING THE USE OF QRIS IN MALANG CITY." PERFORMANCE: Jurnal Bisnis & Akuntansi 14, no. 2 (2024): 90–112. https://doi.org/10.24929/feb.v14i2.3752.

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This study aims to analyze the implementation of the HOT-FIT model in the use of QRIS in Malang City, focusing on the variables of System Quality, Information Quality, and Service Quality. Involving 180 QRIS users as respondents, the results indicate that user satisfaction significantly affects the benefits of using the QRIS application. Information quality has a significant impact on user satisfaction but does not directly influence benefits or system usage. Meanwhile, service quality significantly affects user satisfaction, benefits, and system usage. System quality also significantly influe
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AFFIFATUSHOLIHAH, LINA, Fadhilah, and FARAH PUTRI WENANG LUSIANINGRUM. "EFFECT OF TAM AND ATTITUDES TOWARD ADVERTISING ON INTENTION TO USE QRIS." Management Science Research Journal 1, no. 2 (2022): 79–85. http://dx.doi.org/10.56548/msr.v1i2.26.

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QRIS is the Quick Response Code Indonesian Standard, which is a national QR code standard to facilitate QR code payments in Indonesia, which was launched by Bank Indonesia and the Indonesian Payment System Association (ASPI) in 2019. This research was conducted to look at the effect of the Technology Acceptance Model (TAM), which consists of perceived ease of use and perceived benefits, as well as additional attitude towards advertising variables on people's intention to use QRIS. The population in this study are all Indonesian citizens who have seen advertisements for using QRIS. The research
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Ramadanti, Siti Nazwa, Ruslinda Agustina, and Rara Gustiana. "PENGARUH PERSEPSI MANFAAT, KEMUDAHAN DAN KEPERCAYAAN TERHADAP MINAT PENGGUNAAN QRIS." Dinamika Ekonomi: Jurnal Ekonomi dan Bisnis 18, no. 1 (2025): 173–92. https://doi.org/10.53651/jdeb.v18i1.584.

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The aim of the study was to empirically prove the effect of perceived benefits, ease of use, and trust on the interest in using QRIS among students of the Accounting Study Program at STIE Nasional Banjarmasin. The method used in this study was quaantitative method by distributing questionnaires to 41 participants of the Accounting Study Program at STIE Nasional Banjarmasin. This study utilizes SPSS software version 26.00. The conclusion of this study is that Perceived Benefits, Ease of Use, and Trust have both partial and simultaneous effects on the Interest in Using QRIS among students of the
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Irvan, Muhammad, Meutia Dewi, and Dias Setianingsih. "Understanding undergraduate students’ adoption of QRIS: The role of benefits, risks, and convenience." Review of Business and Accounting Research 2, no. 1 (2025): 1–10. https://doi.org/10.62941/rbar.v2i1.95.

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This study explores undergraduate students' adoption of the Quick Response Indonesian Standard (QRIS) for cashless transactions by examining the role of benefits, risks, and convenience. Conducted at the Faculty of Economics and Business, Universitas Samudra, the research involved 659 students from the 2020, 2021, and 2022 cohorts, with a final sample of 248 respondents selected using proportional stratified random sampling. Data were analyzed using multiple regression analysis. The findings reveal that benefits, risks, and convenience significantly influence students' adoption of QRIS, both i
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Buchdadi, Agung Dharmawan, Ayu Annisa Rahmawati, Muhammad Edo Suryawan Siregar, Muhammad Rizqi Muttaqien, and Achmad Zaki. "Analysis of factors affecting behavioral intention to use QRIS in MSMEs: Expansion of technology acceptance model." Journal of Infrastructure, Policy and Development 8, no. 15 (2024): 9108. https://doi.org/10.24294/jipd9108.

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This study seeks to examine the factors affecting the intention of Indonesian MSMEs to adopt QRIS. It leverages variables from the Technology Acceptance Model (TAM), customizing the TAM framework to address the unique perceptions of risk and cost among MSMEs in Indonesia. Data were gathered from 212 MSME participants in Brebes Regency through convenience sampling, a non-probability sampling technique, using Google Forms for survey distribution. The findings indicate that perceived ease of use positively and significantly influences attitudes, which, in turn, positively and significantly impact
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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 23, no. 2 (2024): 073–84. http://dx.doi.org/10.30574/wjarr.2024.23.2.2292.

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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 th
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Nadinta, Puti Shalia, and Nurrani Kusumawati. "Influence of QRIS Payment Customer Satisfaction Towards Customer Loyalty And Continuity." Journal of Consumer Studies and Applied Marketing 1, no. 1 (2023): 61–66. http://dx.doi.org/10.58229/jcsam.v1i1.52.

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The official standardized payment system in Indonesia, Quick Response Indonesian Standard (QRIS), was introduced on August 17, 2019. QRIS is anticipated to facilitate QR payment systems, which allow for scanning a single QR code from various digital payment services as long as they are registered with QRIS. The researcher conducted exploratory research to better grasp the consumer perspective on utilizing QRIS due to the increased usage of QRIS over time. It has been discovered that employing QRIS still has its limitations. With that, a more thorough investigation is conducted into the relatio
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Devica, Sadana, and Mentari Septynaputri Widodo. "PENGARUH PERCEIVED OF BENEFIT DAN E-TRUST TERHADAP MINAT MENGGUNAKAN QRIS." BIP's JURNAL BISNIS PERSPEKTIF 15, no. 2 (2023): 89–99. http://dx.doi.org/10.37477/bip.v15i2.443.

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This study aims to examine whether there is an influence between perceived benefits and e-trust on the intention to use QRIS. The data collection technique in this study was by using non-probability sampling with the method of determining the sample, namely judgment sampling or purposive sampling techniques. The number of respondents in this research are 155 respondents. Furthermore, the collected data has been tested for construct validity and reliability and processed using SEM (Structural Equation Modeling) analysis. To test the construct validity of exogenous variables, researchers use the
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Erlinda Sholihah and Risma Nurhapsari. "Determinants of QRIS Adoption Intention for MSMEs: Identification During Covid-19." Proceeding of The International Conference on Economics and Business 1, no. 2 (2022): 320–29. http://dx.doi.org/10.55606/iceb.v1i2.135.

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The purpose of this study is to examine the role of product knowledge, perceived benefit, and perceived ease of use on QRIS adoption intention for MSMEs in Semarang City during the Covid-19 pandemic. An associative quantitative approach was applied in this study. Population of this research are merchants in Semarang City’s traditional market. Empirical data were collected through questionnaires from 100 respondents and analyzed with SmartPLS 3.0 based on the SEM-PLS method. The results of this study confirm that product knowledge, perceived benefit, and perceived ease of use have a significant
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Syahri, Anisah, and Christina Yanita Setyawati. "PENGARUH PERCEIVED EASE OF USE TERHADAP INTENTION TO USE QRIS BCA MOBILE DENGAN PERCEIVED USEFULNESS SEBAGAI VARIABEL MEDIASI." Jurnal Keuangan dan Bisnis 21, no. 2 (2023): 143–51. http://dx.doi.org/10.32524/jkb.v21i2.949.

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Economic activity cannot be separated from the influence of technological and information development. One of the evidences of technological development in economic field is the availability of various cashless transaction pattern. Indonesian Bank and Indonesian Payment System Association launch QRIS is an integrated digital payment instrument. PT Bank Central Asia is one of the banking financial institution that offers QRIS service in BCA Mobile application. The convenience and benefit that are offered by QRIS BCA Mobile do not always run well. The purpose of this research is to look for the
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Erwinsyah, Erwinsyah, Kartina Eka Ningsih, Syahruddin S, and Kamila Anjelita. "Pengaruh Persepsi Kemudahan Penggunaan Dan Persepsi Kegunaan Terhadap Niat Untuk Menggunakan Dan Penggunaan Aktual Teknologi Pembayaran Digital QRIS." Jurnal Ekonomi & Manajemen Indonesia 23, no. 1 (2023): 22–36. http://dx.doi.org/10.53640/jemi.v23i1.1337.

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Abstract:&#x0D; The purpose of this study was to test and analyze the technology acceptance model which consists of the variables perceived ease of use, perceived benefits, intention to use and actual use of QRIS digital payment technology. The population in this study were students of the Faculty of Economics and Business, University of Kutai Kartanegara who used QRIS. The research sample is 60 students who use QRIS digital payment technology. Sampling used purposive sampling technique and data analysis tool used Structural Equation Modeling (SEM) using SmartPLS 4 software version 4.8.9. Base
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Manuputty, Gino G., Gwenn L. L. Pattinama, and Nicoline Hiariej. "Factors Influencing Students' Interest in Utilising Qris Electronic Money." Jurnal Manajemen Bisnis 10, no. 2 (2023): 760–72. http://dx.doi.org/10.33096/jmb.v10i2.654.

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The urgency of this research is to provide an understanding of the importance of using electronic money, in this case the Quick Response Indonesian Standard (QRIS) as part of implementing the industrial revolution 4.0 and can provide ease of payment in the academic process and reduce the risk of financial abuse. The aim of this research is to analyze the influence of perceived benefits, perceived ease of use and perceived risks on interest in using QRIS electronic money. This research was conducted on students at the Indonesian Christian University of Maluku (UKIM) located in the city of Ambon
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Hidayah, Nurul, and Latifah Dian Iriani. "Understanding payment switching behavior to QRIS in Southwest Papua: A push-pull-mooring study." Jurnal Ekonomi & Studi Pembangunan 26, no. 1 (2025): 11–32. https://doi.org/10.18196/jesp.v26i1.24253.

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As the global economy changes, it's important to examine why people in Southwest Papua switch from cash to the Quick Response Code Indonesian Standard (QRIS) system. This region is notoriously behind in infrastructure and human development, so studying this area is crucial to expanding the national economy. This study investigates the variables that influence the switching behavior of users in Southwest Papua toward the Quick Response Code Indonesian Standard (QRIS) digital payment. The study investigates the impact of push factors (e.g., perceived trouble, perceived no record for transactions
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Jihan Rahmawati, Sri Murtini, Rani Raharjanti, and Prima Ayundyayasti. "QRIS: Factors Influencing Interest in Adoption by MSMEs in Semarang Regency." Mutiara: Jurnal Ilmiah Multidisiplin Indonesia 2, no. 2 (2024): 1–16. http://dx.doi.org/10.61404/jimi.v2i2.170.

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Abstract The motivation of this research is related to the use of QRIS in micro, small, and medium-sized enterprises (UMKM) in Semarang District. QRIS is a digital payment tool introduced by Bank Indonesia in 2019. The Government's initiative in launching QRIS is to make it easier for people who prefer digital payments, especially young people in Indonesia. The use of QRIS itself is increasing every year. The Governor of Bank Indonesia stated that more than 90% of UMKMs in Indonesia have used QRIS. The benefits of using QRIS for UMKM are faster payment processes, no need to prepare for money r
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Prasetyo, Bowo, and Tri Nur Wahyudi. "The Impact of Perceived Ease, Usefulness, and Risk on Decisions to Use Brimo QRIS (Case Study in Central Java and Implications for Management)." Ilomata International Journal of Management 6, no. 1 (2024): 1–13. https://doi.org/10.61194/ijjm.v6i1.1465.

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Digital payment transactions and the widespread use of electronic devices are hallmarks of the cashless society that is emerging in tandem with the Fourth Industrial change and the change in financial technology. This study aims to examine how people in Central Java perceive the ease, benefits, and hazards of using QRIS, and how these factors influence their decision-making process. This study used a casual associative design and was quantitative in nature. This study used purposive sampling, which selects a population subset according to norms. One hundred people participated in this study. T
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Herra Herviana, Wiyan, and Zaenal Abidin. "Evaluating User Continuance Intentions for QRIS Mobile Payments Services Using Information System Success Model and Expectation Confirmation Model." Journal of Advances in Information Systems and Technology 6, no. 1 (2024): 87–106. https://doi.org/10.15294/jaist.v6i1.2398.

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QRIS services on mobile payment applications are one of Indonesia's most popular payment methods, and they allow transactions by scanning or displaying the QR code. This enables mobile-based payments to be easy and flexible anywhere and anytime. As it grows and benefits, some obstacles exist regarding users' desire to continue using it. Some users decided to stop using the QRIS service for mobile payments due to indications of potential risks associated with the service. This research aims to find out what variables support or influence the intention to continue using QRIS services for mobile
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Laila Hikmatul Khoiroh and Farah Wulandari Pangestuty. "PENERAPAN MOBILE TECHNOLOGY ACCEPTANCE MODEL (MTAM) DALAM MENGGUNAKAN QRIS SEBAGAI SISTEM PEMBAYARAN DIGITAL DI JAWA TIMUR." Contemporary Studies in Economic, Finance and Banking 1, no. 2 (2022): 270–82. http://dx.doi.org/10.21776/csefb.2022.01.2.08.

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Among various payment systems available today, QRIS is interesting to be studied due to its recentness, distinctive features, and rapid development. The objective of this research is to identify public perceptions concerning QRIS services viewed from the effects of Mobile Usefulness (MU), Mobile Ease to Use (MEoU), Mobile Perceived Trust (MPT) on Behavioral Intention (BI). This quantitative research uses multiple linear regression in analyzing data that was acquired through questionnaires. This study finds that Mobile Usefulness (MU), Mobile Ease to Use (MEoU), Mobile Perceived Trust (MPT) pos
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Harahap, Ridha Anggita, and Intan Zoraya. "The Influence of Perceived Ease of use, Usefulness, and Security on Gen Z's Interest in using Q-Ris (Quick Response Code Indonesian Standard) as a Payment Method." Formosa Journal of Applied Sciences 3, no. 3 (2024): 853–66. http://dx.doi.org/10.55927/fjas.v3i3.8407.

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The development of information technology has caused substantial transformation in various areas of human life. This study aims to investigate the consequences of three main factors, namely perceptions of ease of use, usefulness, and security, on interest in adopting Q-RIS as a payment method. Data was collected through a survey by distributing questionnaires to generation Z aged 17-27 years in 2024 who have used digital wallets with QRIS as a non-cash transaction tool. The number of respondents collected was 107 people, in accordance with the formula of Hair et al. (2017). The data was then a
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Christian, Michael, and Eko Retno Indriyarti. "Determinants of QRIS Payment Method Usage for Employees in Urban Areas." WIDYAKALA JOURNAL : JOURNAL OF PEMBANGUNAN JAYA UNIVERSITY 11, no. 2 (2024): 71. https://doi.org/10.36262/widyakala.v11i2.1074.

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By 2024, the quantity of Quick Response Code Indonesian Standard (QRIS) users in Indonesia is projected to reach 51 million. The usage of QRIS as a cashless payment system is gaining widespread acceptance. Nevertheless, research on cashless payment methods, including QRIS, indicates that usage behavior is significantly affected by multiple variables. Conversely, prior research has predominantly concentrated on consumers' age or generational backgrounds. This study seeks to examine the factors influencing QRIS usage behavior, specifically considering the backgrounds of employees in metropolitan
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Muis, Yuyun Ramadhani, Ira Nuriya Santi, Syamsul Bachri, and Asriadi Asriadi. "PERSEPSI MANFAAT DAN KEPERCAYAAN MASYARAKAT TERHADAP KEPUTUSAN BERTRANSAKSI NON TUNAI MENGGUNAKAN QRIS." Jurnal Inovasi Bisnis Indonesia (JIBI) 1, no. 4 (2024): 173–85. http://dx.doi.org/10.61896/jibi.v1i4.49.

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Abstrak Sistem pembayaran merupakan salah satu pilar penopang stabilitas sistem keuangan pada suatu Negara. Kemajuan teknologi telah membawa banyak perkembangan pada sistem pembayaran bahkan menggeser peran uang tunai (currency) sebagai alat pembayaran menjadi non tunai yang dianggap lebih efisien penggunaannya. Penelitian ini bertujuan untuk melihat preferensi masyarakat Provinsi Sulawesi Tengah dalam mengambil keputusan bertransaksi non-tunai menggunakan QRIS melalui beberapa faktor yang dapat mempengaruhi yaitu persepsi manfaat dan kepercayaan. Metode yang digunakan adalah metode kuantitati
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Saripudin, Ernawati Diah, and Yuniarti Rizki. "Exploring the Impact of Attitudes, Behavior, and Perceptions on Millennials' Adoption of QRIS Payment Systems." Journal of Economics, Finance And Management Studies 07, no. 02 (2024): 1035–43. https://doi.org/10.5281/zenodo.10634689.

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In this study, we investigate the influence of attitudes, behavior, and perceptions on the adoption of Quick Response Code Indonesian Standard (QRIS) payment systems among millennials, utilizing the Mobile Technology Acceptance Model (MTAM) approach. The sample consists of 100 respondents, and we apply both Structural Equation Modeling (SEM) and MTAM to study about the relationships among the variables. The key findings are as follows: Positive attitudes towards QRIS significantly correlate with high behavioral intention, underscoring the pivotal role of attitudes in fostering adoption. Paymen
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Fauziah, Indah, Dini Yuliyanti, Nida Syarofatul Maula, and Rina Destiana. "Influence of Perceived Convenience, Perceived Usefulness, and Perceived Risk on the Use Of QRIS to Increase MSMEs Income." International Journal of Business, Law, and Education 5, no. 2 (2024): 1689–01. http://dx.doi.org/10.56442/ijble.v5i2.716.

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QRIS (Quick Response Code Indonesia Standard) is a national standard for payments using QR codes in Indonesia. QRIS was developed by Bank Indonesia and the Indonesian Payment System Association (ASPI) to facilitate and unify various digital payment methods through standard QR codes. This study discusses the effect of perceived ease of use, perceived usefulness, and perceived risk on the use of QRIS to increase MSME income. There are 100 samples used and the sampling technique is through purposive sampling technique and the PLS-SEM method as the analysis with SmartPLS. The results of the study
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Saraswati, Fitri, Syifa Qiani K, and Synthia Atas S. "Investigating the Factors that Motivate MSME owners in South Tangerang to use QRIS." West Science Business and Management 3, no. 02 (2025): 272–86. https://doi.org/10.58812/wsbm.v3i02.1891.

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The focus of this research is the identification and evaluation of factors that influence the use of QRIS as a digital payment tool technology for transactions. MSMEs, especially in South Tangerang, who use QRIS as a digital payment tool are the respondents involved in this research. The research method used in this research is a quantitative research method and the type of research used in this research is descriptive. The population taken is located in the MSMEs in the South Tangerang area, precisely in Pasar Delapan which has 100 restaurants. The Result of the research are Knowledge influen
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Hartutik, Hartutik, Dwi Nita Aryani, R. Melda Maesarach, Rosnia Masruki, and Ahmad Fauzan. "Exploring Intention in Using Quick Response Code Indonesian Standard: Technology Acceptance Model Approach." Jurnal Organisasi dan Manajemen 20, no. 1 (2024): 36–50. http://dx.doi.org/10.33830/jom.v20i1.6805.2024.

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Purpose - This research examines the influence of people's intention to use QRIS by taking variables from the Technology Acceptance Model (TAM), namely perceived usefulness, perceived ease of use, perceived trust, attitude towards usage of QRIS and behavioral intention to use QRIS. Methodology - This research method uses a quantitative approach with a sampling technique chosen through purposive sampling. Data collection was carried out by distributing questionnaires to QRIS users. Data analysis employed SmartPLS version 4 with a sample size of 100 respondents. Findings - The results show a pos
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Irsyad, Miftah, and Raditha Dwi Vata Hapsari. "Pengaruh Perceived Usefulness, Perceived Ease Of Use, Perceived Security, Dan Social Influence Terhadap Continuance Intention." Jurnal Manajemen Pemasaran dan Perilaku Konsumen 2, no. 4 (2023): 932–43. http://dx.doi.org/10.21776/jmppk.2023.02.4.08.

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Payment methods used in Indonesia have been several times developed along the advancement of the technology. QRIS, Quick Response Code Indonesian Standard, is a payment method through QR code developed by Bank Indonesia by integrating all QR code payments previously existed in Indonesia. The increase in the number of QRIS users and transactions enhances the country’s economic-sector efficiency and helps the national economic recovery after the Covid-19 pandemic. The objective of this research is to identify the effects of perceived usefulness, perceived ease of use, perceived security, and soc
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Nurqamarani, Adisthy Shabrina, Sarah Fadilla, and Ari Juliana. "Revolutionizing Payment Systems: The Integration of TRAM and Trust in QRIS Adoption for Micro, Small, and Medium Enterprises in Indonesia." Journal of Information Systems Engineering and Business Intelligence 10, no. 3 (2024): 314–27. http://dx.doi.org/10.20473/jisebi.10.3.314-327.

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Background: In an era where digital finance is growing rapidly, the Quick Response Code Indonesian Standard (QRIS) revolutionizes the payment system through a single unifying code. This study brings novelty in integrating TRAM and Trust in the adoption of QRIS in micro, small, and medium enterprises (MSMEs) in Indonesia, for which studies are still limited. Objective: To observe determinants of QRIS adoption by integrating the Technology Readiness Acceptance Model (TRAM) and Trust in the emerging Indonesian market where QRIS is in a growing stage. Methods: This study collects data through the
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Wisnalmawati, Wisnalmawati, Fathir Arya Dimas, and Yuni Istanto. "PENGARUH PERCEIVED TRANSACTION CONVENIENCE DAN PERCIEVED RISK TERHADAP BEHAVIOURAL INTENTION DIMEDIASI OLEH PERSONAL INNOVATIVENESS." Jurnal Muhammadiyah Manajemen Bisnis 4, no. 2 (2023): 47. http://dx.doi.org/10.24853/jmmb.4.2.47-54.

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ABSTRAK Perkembangan teknologi berupa QRIS dapat mempermudah transaksi keuangan secara elektronik. Tujuan penelitian ini yaitu untuk menganalisis minat sebagai pedagang di Pasar yang akan mengadopsi QRIS. Variabel yang digunakan yaitu perceived transaction convenience dan perceived risk sebagai independent dan personal innovativeness sebagai mediasi. Metode yang digunakan yaitu kuantitatif, pengujian hipotesis dengan analisis SEM-PLS. Sampel yang digunakan sebanyak 200 nasabah Bank sebagai pedagang di Pasar. Hasil penelitian menunjukan bahwa perceived transaction convenience berpengaruh positi
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Kulsum, Ummi, and Alex Fahrur Riza. "Analisis Minat Berinfak Menggunakan QRIS: Studi Empiris Jamaah Masjid di D.I. Yogyakarta." Velocity: Journal of Sharia Finance and Banking 4, no. 2 (2024): 150–64. https://doi.org/10.28918/velocity.v4i2.9106.

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This study aims to examine QRIS as a payment tool for donations among mosque congregants in the Special Region of Yogyakarta. Utilizing a modified Technology Acceptance Model incorporating the variables of trust and perceived risk, the research population consists of mosque attendees in D.I. Yogyakarta who have previously donated using QRIS. A sample of 139 respondents was collected through both online and offline questionnaire distribution. The analysis technique employed is PLS-SEM. The findings indicate that perceived ease of use and trust positively influence attitudes toward using QRIS. C
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