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All Journal Jurnal Ekonomi, Bisnis dan Kewirausahaan (JEBIK) Jurnal Social Economic of Agriculture SRIWIJAYA INTERNATIONAL JOURNAL OF DYNAMIC ECONOMICS AND BUSINESS AFEBI Management and Business Review IJEBD (International Journal Of Entrepreneurship And Business Development) AFEBI Islamic Finance and Economic Review Journal Of Management Science (JMAS) Business Innovation and Entrepreneurship Journal Cakrawala Management Business Journal Jurnal Akun Nabelo : Jurnal Akuntansi Netral, Akuntabel, Objektif International Journal of Economics, Business and Accounting Research (IJEBAR) eCo-Buss Cepalo International Journal of Economics Development Research (IJEDR) ASIAN JOURNAL OF ISLAMIC MANAGEMENT (AJIM) Inobis: Jurnal Inovasi Bisnis dan Manajemen Indonesia Jurnal REKSA: Rekayasa Keuangan, Syariah dan Audit Management and Sustainable Development Journal Journal of Islamic Economics and Finance Studies Ilomata International Journal of Management Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora Jurnal Pertahanan dan Bela Negara Jurnal Akutansi Manajemen Ekonomi Kewirausahaan (JAMEK) AJARCDE (Asian Journal of Applied Research for Community Development and Empowerment) eCo-Fin Journal of Educational Management Research Jurnal Bisnis dan Kewirausahaan
Helma Malini
Universitas Tanjungpura
Religion Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Energy Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Integrasi Model UTAUT dan Trust terhadap Intention Digital Payment pada Mahasiswa dengan Perceived Value sebagai Variabel Mediasi Bima Riakbar; Helma Malini; M. Irfani Hendri; Wendy; Anggraini Syahputri
Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora Vol. 12 No. 1 (2026): Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/alwatzikhoebillah.v12i1.5130

Abstract

Digital transformation has driven major changes in payment systems. Although Bank Indonesia has implemented QRIS since 2019, its adoption is still hampered by the dominance of cash transactions, low user trust, and limited digital literacy. This study aims to analyze the influence of performance expectancy, effort expectancy, social influence, facilitating conditions, and trust on the intention to use QRIS with perceived value as a mediating variable. A quantitative approach was used through an online survey of 200 students in Indonesia, and the data were analyzed using the PLS-SEM method with SmartPLS. The results show that performance expectancy, effort expectancy, social influence, trust, and perceived value have a positive and significant effect on the intention to use QRIS. Conversely, facilitating conditions do not have a significant direct effect on the intention to use, but have a significant effect through the mediation of perceived value. These findings indicate that perceived value is the main mechanism that bridges technological, social, and psychological factors in shaping the intention to use QRIS. This study contributes theoretically by expanding the UTAUT model and provides practical implications for regulators and digital payment service providers to increase the perceived value of users to encourage the adoption of QRIS.
Co-Authors Alifah Nurrahmani Putri Ana Fitriana Anggraeni, Sufi Anggraini Syahputri Anggraini Syahputri Anura, Dhea Anwar Azazi Barkah Barkah Belinda Putri Widyaningrum Benedict Valentine Arulanandam Bima Riakbar Deni Triamanda Deviana Deviana Djihan Islahiyah Dyen Natalia Edwin Suwantono Endang Kristiawati Erna Listiana Erna Listiana Evi Safitri Fahruna, Yulyanti Fitratama, Venu Fransisca, Linda Giriati Giriati Giriati Giriati Giriati Giriati Giriati, Giriati Harry Setiawan Heriyadi Heriyadi Heriyadi, Heriyadi Hermawati, Yuni Herry Giovandi Ibnu Aswat Indra Kurniawan Isfahan, Saif Raafi'in Juniwati Juniwati M. Irfani Hendri Maria Magdalena Muhammad Afif Mustika, Uray Ndaru Perawati Perawati, Perawati Pramana Saputra Purmono, Bintoro Bagus Rafles Ginting Ramadania Ramadania, Ramadania Risal Rizqi Maghribi Salomo, Oloan Sartika, Lili Syahputri, Anggraini Uray Ndaru Mustika Wendy Wendy Weni Trisnawati Wenny Pebrianti Yulianingsih, Tanti