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All Journal EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Jesya (Jurnal Ekonomi dan Ekonomi Syariah) AL-ULUM : Jurnal Ilmu Sosial dan Humaniora International Journal of Community Service & Engagement Jurnal Kewarganegaraan Jurnal Akuntansi, Manajemen dan Bisnis Digital
Indrawati Mara Kesuma
Universitas Bina Insan
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Social Sciences Other

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The Effect Of Perceived Ease Of Use And Perceived Trust On Behavioral Intention Quick Response Code Indonesian Standard (QRIS) In Mediating Risk Perceptions Among Student In Lubuklinggau Sri Endang Susilawati; Herman Paleni; Indrawati Mara Kesuma
Jurnal Akuntansi, Manajemen dan Bisnis Digital Vol 5 No 3 (2026): Juli
Publisher : LPPJPHKI Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jambd.v5i3.11019

Abstract

This study examines the influence of perceived ease of use and trust on QRIS adoption decisions, with perceived risk as a mediating variable among university students in Lubuk Linggau City. Employing a quantitative explanatory design, primary data were collected via questionnaires from respondents experienced in digital payments. The population comprised 10,079 students from local higher education institutions, and a sample of 100 was selected using Slovin’s formula with a 10% margin of error and purposive sampling. Data were analyzed using Partial Least Squares Structural Equation Modeling (SEM-PLS) to assess direct and indirect relationships among variables. Findings reveal that both perceived ease of use and trust positively and significantly influence QRIS adoption. Ease of use encourages adoption through accessibility and operational simplicity, while trust strengthens decisions via security, data integrity, and service provider credibility. Additionally, perceived risk significantly mediates the relationship between ease of use and adoption, indicating that reducing perceived risk enhances technology adoption. These results suggest that usability, trust, and risk management are key factors in promoting QRIS adoption among students. Practically, the study highlights the need to improve system usability, reinforce security, and implement effective communication strategies to enhance trust and minimize perceived risk. This research contributes to a more comprehensive understanding of digital payment adoption in higher education.
Co-Authors Amita Tarina Maieva Ana Amila Debsi Arisky Andrinaldo Bella Nur Anggraini Dheo Rimbano Dian Wulan Sari Dina Arista Prihatin Eri Triharyati Martini Martini Nadia Putri Rifvi Sari Nora Puspita Paleni, Herman putri eka lestari Randi Alfarizi Retno Ulfayatun Hidayah Ronal Aprianto Sarifa Nurlael Sri Endang Susilawati Supriyanto Supriyanto Surajiyo Surajiyo Suwarno Suwarno Suyadi Suyadi Tri Gustiherawati Weni Susanti Wisdalia Maya Yuli Nurhayati Yulpa Rabeta