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All Journal Yudishtira Journal : Indonesian Journal of Finance and Strategy Inside
Siti Aminatul Wirda Ramdani
Universitas Bina Bangsa
Economics, Econometrics & Finance

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PENGARUH KEAMANAN DATA DAN KEPERCAYAAN NASABAH TERHADAP PENGGUNAAN QUICK RESPONSE INDONESIAN STANDARD (QRIS) PADA MAHASISWA UNIVERSITAS BINA BANGSA KOTA SERANG Siti Aminatul Wirda Ramdani; Siti Fatonah; Leni Triana
Yudishtira Journal : Indonesian Journal of Finance and Strategy Inside Vol. 6 No. 2 (2026): Yudishtira Journal : Indonesian Journal of Finance and Strategy Inside
Publisher : Gapenas Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53363/yud.v6i2.212

Abstract

. The development of financial technology has encouraged the use of digital payment systems through the Quick Response Indonesian Standard (QRIS). However, data security and customer trust remain important factors that may influence users' decisions to utilize QRIS. This study aims to determine the partial and simultaneous effects of data security and customer trust on QRIS usage among eighth-semester Financial Management and Banking students at Bina Bangsa University. The study employed a quantitative method with an associative approach. The sample consisted of 63 respondents selected through probability sampling. Data were collected using a Likert-scale questionnaire and analyzed using multiple linear regression with SPSS version 27. The results show that data security has a positive and significant effect on QRIS usage, with a t-count of 6.990 > t-table of 1.670 and a significance value of 0.000 < 0.05. Customer trust also has a positive and significant effect, with a t-count of 6.820 > t-table of 1.670 and a significance value of 0.000 < 0.05. Simultaneously, data security and customer trust have a positive and significant effect on QRIS usage, with an F-count of 48.719 > F-table of 2.39 and a significance value of 0.000 < 0.05. The coefficient of determination of 61.9% indicates that the two independent variables explain 61.9% of the variation in QRIS usage, while the remaining 38.1% is explained by other factors outside the study.
Co-Authors Leni Triana Siti Fatonah