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Paske V. Modaso
Akademi Bisnis dan Keuangan Primaniarta, Indonesia
Economics, Econometrics & Finance

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TAM Model Analysis of QRIS Use Preferences with a Structural Equation Modelling Approach: An Empirical Study of GMIM Youth Paske V. Modaso; Titya A. P. Barek
Journal of Social Commerce Vol. 5 No. 4 (2025): Journal of Social Commerce
Publisher : Celebes Scholar pg

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56209/jommerce.v5i4.196

Abstract

This study aims to analyze the influence of perceived usefulness (PU) and perceived ease of use (PEOU) on QRIS usage preferences among GMIM Youth using the Technology Acceptance Model (TAM) approach. The research method used is quantitative explanatory with primary data collection through questionnaires from 120 respondents selected by purposive sampling. Data were analyzed using Structural Equation Modeling (SEM) with SmartPLS 4.0 software. The results of the measurement model testing (outer model) showed that all indicators met the validity and reliability criteria. In the structural model testing (inner model), both hypotheses were proven significant: PEOU had a positive and significant effect on usage preferences (β = 0.483; p-value = 0.000), as did PU (β = 0.357; p-value = 0.000). The R² value of 0.602 indicates that the PU and PEOU variables are able to explain 60.2% of the variation in QRIS usage preferences. The conclusions of this study reinforce the TAM postulate that technology adoption, in this case QRIS, is largely determined by the perceived ease and usefulness of use. Consequently, service providers and relevant authorities are advised to continue improving the ease of use of the interface and promoting the benefits of QRIS, particularly within the context of religious communities.
An Extended TAM Study on QRIS Adoption Among GMIM Youth: Testing the Mediating Roles of Attitude and Behavioral Intention and the Moderating Role of Digital Literacy Paske V. Modaso; Durand Fernandito Freddy Setlight; Surya Danang
Journal of Social Commerce Vol. 6 No. 3 (2026): Journal of Social Commerce
Publisher : Celebes Scholar pg

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56209/jommerce.v6i3.319

Abstract

This study investigates the continued adoption of the Quick Response Code Indonesian Standard (QRIS) among youth members of the Evangelical Christian Church in Minahasa (GMIM) by extending the Technology Acceptance Model (TAM). The research framework integrates attitude and behavioral intention as sequential mediators, alongside digital literacy as a moderator influencing the relationship between perceived usefulness and attitude. Employing a quantitative cross-sectional design, data were collected from 150 purposively selected young users aged 17–30 years and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The findings demonstrate that perceived ease of use significantly drives both perceived usefulness and user attitude, which subsequently predict behavioral intention and long-term continuance intention. Furthermore, a serial mediation pathway from ease of use through perceptions, attitudes, and intentions to continuance intention is confirmed. Crucially, digital literacy serves as a vital boundary condition: perceived usefulness strongly shapes user attitudes among individuals with high digital literacy, whereas this effect is insignificant among those with low digital literacy. Overall, the results highlight that sustained digital payment adoption operates through a structured psychological sequence contingent on users' digital competencies.
Co-Authors Durand Fernandito Freddy Setlight Surya Danang Titya A. P. Barek