<![CDATA[The rapid development of digital payment systems in Indonesia has contributed to the increasing adoption of the Quick Response Code Indonesian Standard (QRIS) as a practical and efficient cashless payment method. Nevertheless, findings regarding the factors influencing the intensity of QRIS usage remain inconclusive, particularly concerning trust, perceived risk, and system effectiveness. This study aims to examine the effects of trust, perceived risk, and system effectiveness on the intensity of QRIS usage among Generation Z in Gresik Regency. Data were collected through a questionnaire distributed to 100 Generation Z respondents who had previously used QRIS and were analyzed using the Partial Least Squares Structural Equation Modeling (PLS-SEM) approach. The results indicate that trust has a positive and significant effect on the intensity of QRIS usage. Perceived risk also demonstrates a significant influence, suggesting that Generation Z continues to utilize QRIS despite being aware of the potential risks associated with digital transactions. In contrast, system effectiveness does not have a significant impact on the intensity of QRIS usage. These findings highlight that psychological factors, particularly trust, play a more substantial role than technical system factors in encouraging QRIS adoption among Generation Z. The study implies that strengthening user trust and enhancing education regarding digital transaction security should be prioritized to support the sustainable use of QRIS.]]>
