Factors Influencing The Use of QRIS in Digital Transactions
Background: QRIS as a payment method through QR codes has emerged as one of the products initiated by the implementation of the Indonesian Payment System Blueprint (SPI). Purpose: The purpose of QRIS is to expand the efficient acceptance of non-cash payments, focusing on traditional mass economic f...
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| Main Authors: | , , |
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| Format: | Article |
| Language: | Indonesian |
| Published: |
Bogor Agricultural University
2024-09-01
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| Series: | Jurnal Aplikasi Bisnis dan Manajemen |
| Online Access: | https://journal.ipb.ac.id/index.php/jabm/article/view/53096 |
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| _version_ | 1825206655054249984 |
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| author | Fadhil Muhammad Arif Imam Suroso Setiadi Djohar |
| author_facet | Fadhil Muhammad Arif Imam Suroso Setiadi Djohar |
| author_sort | Fadhil Muhammad |
| collection | DOAJ |
| description | Background: QRIS as a payment method through QR codes has emerged as one of the products initiated by the implementation of the Indonesian Payment System Blueprint (SPI).
Purpose: The purpose of QRIS is to expand the efficient acceptance of non-cash payments, focusing on traditional mass economic functions (such as traditional markets and MSMEs).
Design/methodology/approach: The analysis in this research utilized Partial Least Square Equation Modeling (PLS-SEM).
Findings/Result: The results indicate that habit and hedonic motivation variables have a significant positive influence on behavioral intention, while usage barriers have a significant negative impact on behavioral intention. Furthermore, habit and facilitating conditions variables have a significant positive impact on use behavior.
Conclusion: The findings highlight that the decision to use QRIS is largely habitual, influenced by prior experiences and quick decision-making (Hedonic Motivation) at the point of transaction. The decision-making process is no longer lengthy, as QR-based payment systems were already familiar before QRIS implementation in Indonesia.
Originality/value (State of the art): The approach of simultaneously measuring acceptance factors and barriers is still rarely employed in technology adoption studies. Evaluating both factors concurrently can provide a more comprehensive assessment of the technology adoption process.
Keywords: UTAUT 2, IRT, digital transaction, QRIS, technology acceptance |
| format | Article |
| id | doaj-art-f6ee4e5655df49e78fb1872d663300c2 |
| institution | Kabale University |
| issn | 2528-5149 2460-7819 |
| language | Indonesian |
| publishDate | 2024-09-01 |
| publisher | Bogor Agricultural University |
| record_format | Article |
| series | Jurnal Aplikasi Bisnis dan Manajemen |
| spelling | doaj-art-f6ee4e5655df49e78fb1872d663300c22025-02-07T08:01:38ZindBogor Agricultural UniversityJurnal Aplikasi Bisnis dan Manajemen2528-51492460-78192024-09-0110385885810.17358/jabm.10.3.85853096Factors Influencing The Use of QRIS in Digital TransactionsFadhil Muhammad0Arif Imam Suroso1Setiadi Djohar2School of Business, IPB University, Jl. Raya Pajajaran, Bogor, West Java, 16151, Indonesia School of Business, IPB University, Jl. Raya Pajajaran, Bogor, West Java, 16151, Indonesia School of Business, IPB University, Jl. Raya Pajajaran, Bogor, West Java, 16151, Indonesia Background: QRIS as a payment method through QR codes has emerged as one of the products initiated by the implementation of the Indonesian Payment System Blueprint (SPI). Purpose: The purpose of QRIS is to expand the efficient acceptance of non-cash payments, focusing on traditional mass economic functions (such as traditional markets and MSMEs). Design/methodology/approach: The analysis in this research utilized Partial Least Square Equation Modeling (PLS-SEM). Findings/Result: The results indicate that habit and hedonic motivation variables have a significant positive influence on behavioral intention, while usage barriers have a significant negative impact on behavioral intention. Furthermore, habit and facilitating conditions variables have a significant positive impact on use behavior. Conclusion: The findings highlight that the decision to use QRIS is largely habitual, influenced by prior experiences and quick decision-making (Hedonic Motivation) at the point of transaction. The decision-making process is no longer lengthy, as QR-based payment systems were already familiar before QRIS implementation in Indonesia. Originality/value (State of the art): The approach of simultaneously measuring acceptance factors and barriers is still rarely employed in technology adoption studies. Evaluating both factors concurrently can provide a more comprehensive assessment of the technology adoption process. Keywords: UTAUT 2, IRT, digital transaction, QRIS, technology acceptancehttps://journal.ipb.ac.id/index.php/jabm/article/view/53096 |
| spellingShingle | Fadhil Muhammad Arif Imam Suroso Setiadi Djohar Factors Influencing The Use of QRIS in Digital Transactions Jurnal Aplikasi Bisnis dan Manajemen |
| title | Factors Influencing The Use of QRIS in Digital Transactions |
| title_full | Factors Influencing The Use of QRIS in Digital Transactions |
| title_fullStr | Factors Influencing The Use of QRIS in Digital Transactions |
| title_full_unstemmed | Factors Influencing The Use of QRIS in Digital Transactions |
| title_short | Factors Influencing The Use of QRIS in Digital Transactions |
| title_sort | factors influencing the use of qris in digital transactions |
| url | https://journal.ipb.ac.id/index.php/jabm/article/view/53096 |
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