<![CDATA[This study aims to determine the effectiveness of the Quick Response Indonesia Standard (QRIS) non-cash payment system in influencing financial inclusion of students at the Faculty of Economics and Business, Nusa Cendana University, Kupang. To determine the efficiency of the Quick Response Indonesia Standard (QRIS) non-cash payment system in influencing financial inclusion of students at the Faculty of Economics and Business, Nusa Cendana University, Kupang. To determine the effectiveness and efficiency of the Quick Response Indonesia Standard (QRIS) non-cash payment system in influencing financial inclusion among students at the Faculty of Economics and Business, Nusa Cendana University, Kupang. This study employed a descriptive quantitative approach. In this study, researchers obtained results derived from the types and sources of data. The data sources used in this study were primary data. The population and sample were all FEB Undana students majoring in monetary banking. The instrument tests used in this study included validity and reliability. Data analysis used multiple linear regression analysis, partial t-test, simultaneous t-test (F-test), and the coefficient of determination (R2). The results showed that both effectiveness and efficiency had a significant effect on financial inclusion, indicating that effectiveness and efficiency had a positive effect on financial inclusion. Based on the simultaneous test results, effectiveness and efficiency simultaneously had a positive and significant effect on financial inclusion. Therefore, Ho was rejected and Ha was accepted. This means that effectiveness and efficiency variables simultaneously influence financial inclusion.]]>
