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All Journal Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis
Nova Triantika
Universitas Catur Insan Cendekia
Economics, Econometrics & Finance

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Peran Digital Financial Literacy dan Self-Efficacy Terhadap Minat Penggunaan Berkelanjutan Qris di Kota Cirebon Turini Turini; Gytha Nurhana Dhea Praadha Gitama; Nova Triantika
Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis Vol. 6 No. 3 (2026): November : Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jaemb.v6i3.12490

Abstract

This study examines the role of digital financial literacy and self-efficacy on the continuance intention to use QRIS (Quick Response Code Indonesian Standard) among the public in Cirebon City, a region with the highest QRIS transaction volume in the Ciayumajakuning area yet showing reluctance to rely on QRIS as a primary payment method. The problem addressed is the gap between high QRIS transaction volume and low continuance intention, allegedly driven by low digital financial literacy and low self-efficacy among users. This quantitative research applies a causal approach with multiple linear regression analysis on 96 respondents selected through purposive sampling, determined using the Lemeshow formula. Data were collected through an online questionnaire using a five-point Likert scale and processed with IBM SPSS Statistics. The results show that digital financial literacy has a positive and significant effect on continuance intention, self-efficacy also has a positive and significant effect, and both variables simultaneously affect continuance intention. These findings indicate that strengthening digital financial literacy alongside user self-efficacy is essential to encourage the sustainable use of QRIS, and can serve as a basis for targeted financial education strategies by Bank Indonesia and QRIS service providers.
Co-Authors Gytha Nurhana Dhea Praadha Gitama Turini Turini