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All Journal Britain International of Humanities and Social Sciences (BIoHS) Journal Britain International for Linguistics, Arts and Education Journal (BIoLAE Journal)
Puspa Dewi Yulianty
Management Study Program, Faculty of Economics and Business, Universitas Muhammadiyah Cirebon, Cirebon, Indonesia
Religion Arts Humanities Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Social Sciences Other

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The Effects of Perceived Ease of Use and Security of QRIS on Generation Z’s Usage Intention through User Satisfaction: A Study of Students at Universitas Muhammadiyah Cirebon Nastiti Panggayuh; Badawi; Puspa Dewi Yulianty
Britain International of Linguistics Arts and Education (BIoLAE) Journal Vol 8 No 3 (2026): Britain International of Linguistics, Arts and Education - November
Publisher : Britain International for Academic Research (BIAR) Publisher

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Abstract

The development of digital payment systems in Indonesia has encouraged the increasing use of the Quick Response Code Indonesian Standard (QRIS) as a cashless transaction instrument. Generation Z is the user group with the highest level of digital technology adoption; however, continued QRIS usage is still influenced by various factors, particularly perceived ease of use, security, and user satisfaction. This study aims to analyze the effects of perceived ease of use and security on QRIS usage intention, with user satisfaction as a mediating variable, among students at Universitas Muhammadiyah Cirebon. The study employed a quantitative approach with an explanatory research design. The sample consisted of 160 respondents selected using purposive sampling. Data were collected through a questionnaire using a five-point Likert scale and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4. The results show that perceived ease of use has a positive and significant effect on user satisfaction and QRIS usage intention. Security has a positive and significant effect on usage intention but does not significantly affect user satisfaction. In addition, user satisfaction has a positive and significant effect on QRIS usage intention. The mediation analysis shows that user satisfaction mediates the effect of perceived ease of use on QRIS usage intention but does not mediate the relationship between security and usage intention. The findings indicate that ease of use is the primary factor in enhancing satisfaction and encouraging continued QRIS usage among Generation Z.
The Effects of Financial Literacy, Pocket Money, and Lifestyle on Saving Behavior among Students of the Faculty of Economics and Business at Universitas Muhammadiyah Cirebon Enggun Sugiana; Puspa Dewi Yulianty; Wahyudayanto Utama
Britain International of Humanities and Social Sciences (BIoHS) Journal Vol 8 No 3 (2026): Britain International of Humanities and Social Sciences, October
Publisher : Britain International for Academic Research (BIAR) Publisher

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Saving behavior is an important indicator of personal financial management, particularly among university students who are beginning to become financially independent. However, students' limited saving habits indicate that their financial management skills remain underdeveloped. This study aims to analyze the effects of financial literacy, pocket money, and lifestyle on saving behavior among students of the Faculty of Economics and Business at Universitas Muhammadiyah Cirebon. The study employed a quantitative approach with an explanatory research design. Data were collected through questionnaires administered to 230 respondents selected using purposive sampling. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4. The findings show that financial literacy and pocket money have positive and significant effects on saving behavior. In contrast, lifestyle has no significant effect on students' saving behavior. These findings indicate that improving financial knowledge and the ability to manage pocket money are key factors in shaping students' saving behavior, whereas lifestyle is not a determining factor. The study contributes to the literature on students' financial behavior and provides practical implications for higher education institutions in improving financial literacy education and personal financial management.
Co-Authors Badawi Enggun Sugiana Nastiti Panggayuh Wahyudayanto Utama