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All Journal Akuntansi: Jurnal Riset Ilmu Akuntansi
Dyah Ratnawati
Universitas Pembangunan Nasional ”Veteran” Jawa Timur
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Analisis Penggunaan QRIS Generasi Z Kabupaten Gresik: Pengaruh Kepercayaan, Persepsi Risiko, dan Efektivitas Sistem Ishthifa’iyah; Dyah Ratnawati
Akuntansi Vol. 5 No. 3 (2026): September : Jurnal Riset Ilmu Akuntansi
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/akuntansi.v5i3.3290

Abstract

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.
Perilaku Konsumtif Generasi Z Pengguna E-Commerce Ditinjau dari Financial Technology Payment, Literasi Keuangan, dan Pengendalian Diri Widya Frahestika; Dyah Ratnawati
Akuntansi Vol. 5 No. 3 (2026): September : Jurnal Riset Ilmu Akuntansi
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/akuntansi.v5i3.3291

Abstract

Generation Z has become more frequent users of e-commerce and fintech payments due to advances in digital technology. The ease of transactions offered by digital platforms can impact people's consumption patterns, especially consumer behavior. This study examines how fintech payments, financial literacy, and self-control influence the consumer behavior of Generation Z e-commerce users. In addition to external factors such as fintech payments, internal factors also influence consumer behavior. This study used a quantitative approach and surveyed 99 students from the Faculty of Economics and Business at the Veteran National Development University in East Java. The survey was conducted using a purposive sampling technique. Structural Equation Modeling-Partial Least Squares (SEM-PLS) using SmartPLS 4.0 analyzed the data collected through questionnaires. The results showed that fintech payments did not significantly influence consumer behavior. Conversely, financial literacy and self-control significantly and negatively influenced consumer behavior. These results indicate that the ease of digital payments is not the main factor driving Gen Z to consume. Instead, a person's ability to manage finances and control their urge to consume plays a more important role in shaping rational consumer behavior. It is intended that this study will serve as a resource for educational institutions and related parties to increase knowledge about finance and self-control to reduce the tendency to consume in the digital era.
Co-Authors Ishthifa’iyah Widya Frahestika