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Understanding User Perceptions of QRIS in Indonesia: Exploring the Impact of Perceived Usefulness, Ease of Use, and Demographic Factors
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Understanding User Perceptions of QRIS in Indonesia: Exploring the Impact of Perceived Usefulness, Ease of Use, and Demographic Factors
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Journal Article
Understanding User Perceptions of QRIS in Indonesia: Exploring the Impact of Perceived Usefulness, Ease of Use, and Demographic Factors
2024
Overview
In Indonesia, a QR code payment is referred to as QRIS (Quick Respond Code Indonesian Standard). OR code technology is employed by QRIS, a contemporary payment system, to establish connections between a variety of financial transactions. QRIS offers numerous advantages to businesses, including the ability to obtain numerous promotions, the automated recording of transactions, the ability to track financial income and expenses, and the elimination of the need to search for change. Regrettably, the low level of digital literacy in Indonesia has prevented certain individuals from adopting digital transactions. Consequently, policymakers and regulators will be able to make more informed decisions regarding the expansion of QRIS in Indonesia by gaining a more comprehensive understanding of the perceptions of utility and perceived ease of use among Indonesian users. This research involves individuals who have implemented ORIS. The sample size in this study was sufficient due to the use of PLS-SEM, a powerful multivariate analysis technique that is recognized for its statistical efficacy in small sample sizes. The study explores the behavioral intention to use ORIS among Indonesian users, emphasizing perceived usefulness and perceived ease of use while incorporating control variables such as age, experience, gender, income, and education. The analysis results indicate that perceived usefulness has a substantial impact on the behavior intention of QRIS, and perceived ease of use also has an impact on the behavior intention of using ORIS. Education and income were found to have no significant difference in relation to behavior intention of using ORIS, whereas age, experience, gender, and age were associated with a significant difference.
Publisher
Society for the Study of Business and Finance
