Analysis of Factors Influencing the Intention to Use QRIS As a Payment Tool in Central Kalimantan Province

Mikha  Mangudu; Sfenrianto Sfenrianto

doi:10.59395/ijadis.v6i1.1369

Authors

Mikha Mangudu Bina Nusantara University
Sfenrianto Bina Nusantara University

DOI:

https://doi.org/10.59395/ijadis.v6i1.1369

Keywords:

QRIS, TAM, Structural Equation Model, Behavioral Intention to Use, SmartPLS, Technology Acceptance Model, Quick Response Code Indonesian Standard

Abstract

In recent years, the Quick Response Code Indonesian Standard (QRIS) has emerged as a digital payment system in Indonesia. Central Kalimantan has witnessed a substantial increase of 91% in the number of merchants adopting this system in 2021 compared to previous years. However, the significant growth of merchants with QRIS options has not yet had the expected increase in usage frequency. This research aims to identify the factors influencing the utilization of QRIS as a payment method and to formulate recommendations to enhance its adoption. Employing a quantitative method, this study modifies the Technology Acceptance Model (TAM) by including external variables such as Subjective Norm, Perceived Security based on preliminary research to understand their impact on Behavioral Intention to use. Data calculation and analysis were conducted using the SmartPLS 3 tool. The findings reveal that Attitude Toward Using exerts a significant influence on Behavioral Intention to Use. While Subjective Norm, Perceived ease of use and Perceived Usefulness significantly affect usage intention through Attitude Toward Using, this study highlights the potential for increased QRIS adoption by leveraging community figures or influencers in socialization efforts. Furthermore, enhancing perceived usefulness through merchant promotions and user education is crucial for fostering positive attitudes towards QRIS usage.

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Author Biography

Sfenrianto, Bina Nusantara University

Prof. Dr. Sfenrianto, S.Kom., M.Kom. is a Professor and Lecturer Specialist at the BINUS Graduate Program – Master of Information Systems Management (MMSI), Bina Nusantara University, Jakarta

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