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All Journal Movere Journal
Benget Hutagaol
Universitas Pejuang Republik Indonesia
Decision Sciences, Operations Research & Management

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Penggunaan Model UTAUT Dalam Menganalisis Minat Masyarakat Menggunakan Quick Response Code Indonesian Standard (QRIS) Sebagai Alat Pembayaran Digital Herniah Herniah; Benget Hutagaol
Movere Journal Vol. 7 No. 2 (2025)
Publisher : Sekolah Tinggi Ilmu Ekonomi (STIE) Tri Dharma Nusantara Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53654/mv.v7i2.649

Abstract

Quick Response Code Indonesia (QRIS), is a form of integration of various types of QR originating from various PJSP (Payment System Service Providers) with the application of the QR Code developed by Bank Indonesia in collaboration with the Indonesian Payment System Association. The application of this payment method aims to integrate all non-cash transactions in Indonesia. QRIS can be used in all payment applications owned by PJSP both bank and non-bank types. This study aims to analyze the factors that influence Merchant interest in using QRIS as a digital payment tool based on factors in the Unified Theory of Acceptance and Use of Technology (UTAUT) model. UTAUT can help in understanding user behavior related to the acceptance and use of mobile applications or e-commerce platforms. This research uses primary data by distributing questionnaires to 100 respondents. The respondents in this study were QRIS merchants. To analyze the data, the authors used Multiple Linear Regression Analysis. The results of this study indicate that the performance expectation variable (X1), the business expectation variable (X2), social influence (X3) and facilitating conditions (X4) have a positive effect on Merchant interest in using QRIS as a digital payment tool. The variable that has the most dominant effect is the business expectation variable (X2).
Konstruksi Sosial Pelaku Usaha Mengenai Platrfrom Instaqris Sebagai Layanan Pendaftaran dan Pengelola QRIS Herniah Herniah; benget Hutagaol
Movere Journal Vol. 8 No. 2 (2026)
Publisher : Sekolah Tinggi Ilmu Ekonomi (STIE) Tri Dharma Nusantara Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53654/mv.v8i2.801

Abstract

The current entrepreneurial reality is largely shaped by digitalization. Business actors collectively construct an understanding that transactions do not have to be carried out in cash but also non-cash. One of the digital-based payments that is currently in demand is QRIS. To obtain a QR to be able to make transactions, business actors must register on the application. One application that can be used is InstaQRIS. The InstaQris application is the official platform and service for QRIS (Quick Response Code Indonesian Standard) registration supervised by Bank Indonesia. This service allows MSMEs, shops, and individual businesses to accept digital payments from all e-wallets and m-banking using only one QR code. This study aims to determine the social construction of business actors regarding the InstaQris application in retail kiosk business actors in Makassar. This study uses a descriptive qualitative approach with data collection methods through in-depth interviews and direct observation of retail kiosk owners who have used the InstaQris application. Based on the results of the study, several social constructions of InstaQris were found, including: 1). InstaQris is interpreted as an application that innovates in carrying out Qris registration, where the registration process is very easy and instant 2). InstaQris is interpreted as an application that facilitates transaction access, meaning they can reach a wider customer base and create a more modern impression. 3). InstaQris is interpreted as simplifying the transaction process by reducing the risk of incorrect change calculation, minimizing cash loss at businesses, and reducing the circulation of counterf
Co-Authors Herniah Herniah