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Kusno, Hendra Sanjaya
Politeknik Negeri Balikpapan
Humanities Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Neuroscience Social Sciences Other

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Journal : Innovation in Research of Informatics (INNOVATICS)

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When Culture Meets Code: Enhancing E-Payment Technology Adoption Through QRIS in The Digital Transformation Sari, Danar Retno; Sorongan, Erick; Kusno, Hendra Sanjaya
Innovation in Research of Informatics (Innovatics) Vol 7, No 1 (2025): March 2025
Publisher : Department of Informatics, Siliwangi University, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/innovatics.v7i1.13153

Abstract

Bank Indonesia has implemented the National Non-Cash Movement (GNNT) to advance the payment system in Indonesia, focusing on safety and efficiency. The use of QRIS technology has accelerated transaction processes, reducing queues and increasing efficiency in various sectors. The electronic money component has seen significant growth, especially in non-bank institutions, with a rise in shopping transactions and the number of merchants. Trust in QRIS technology is high due to ease of use and secure transactions, supported by government regulations. This research investigates the factors influencing the adoption of QRIS (Quick Response Code Indonesian Standard) technology as an electronic payment system in Indonesia after the COVID-19 pandemic. The study focuses on the cultural dimensions of Power Distance (PD) and Uncertainty Avoidance (UA), and their influence on Trust and the Attitude to Use QRIS. A quantitative methodology using a questionnaire was employed, involving 103 active QRIS users, with analysis conducted using Structural Equation Modeling (SEM) via SmartPLS. Results show that Uncertainty Avoidance has a significant positive effect on Trust, which in turn significantly influences the Attitude to Use QRIS. However, Power Distance does not significantly impact Trust, suggesting that while government regulations are important, they do not directly enhance trust in the system. The findings highlight the importance of improving user confidence by reducing perceived risks and enhancing the security of the QRIS platform to foster wider adoption of cashless payments. Future research should explore the role of government policies in further detail to enhance user trust in digital payment systems.
Co-Authors Abd Rohman Taufiq Aditya Achmad Rakim Agustin, Kety Lulu Aldhea Shafitri Alvianita Gunawan Putri Alya Dhiya Atiqah Apriani, Endang Sri Aulia, Junda Nur Bunga Alfi Sa'idah Danar Retno Sari Darmawan, Arief Rahmad Dewi, Made Lia Anada Dewi, Made Lia Ananda Dito Rozaqi Arazy Dwi Ayu Fitrianty Elsyied, Magda Endang Sri Apriani Eny Fahrati Erick Sorongan, Erick Eviyanti, Novitasari Finanto, Hasto Gozali Gozali Hadiani, Fatmi Hadiyanto Hadiyanto Hakim, Tito IM. Rahman Haryani Hasto Finanto Ida Ayu Putu Sri Widnyani Ida Suriana Ida Suriana Ismail, Aida Hazlin Ismawanto, Totok Juspa Parasi Kango, Riklan Lestari, Apriyani Dwi Mairani Safitri Muamilah, Husnul Muhamad Redza Safitra Muhammad Zihad Al Qaushar Muhammad Zulfariansyah Murlita, Yudha Adha Murtanto Murtanto Nabila Khairunnissa Nawang Retno Novia Arthamelia Putri Ramadhani Novitasari Eviyanti Nur Vita Opu Nurwahidah Jamal Ony Artauli Simatupang Parasi, Juspa Patria Rahmawaty, Patria Pongtuluran, Ezra Hartarto Pongtuluran, Ezra Hartato Putri Shafar, Habibah Putri, Rizkia Amelia Rakim, Aditya Achmad Ramadhani, Ranita Ramli Ramli Ramli Ramli Ramli Ramli Ramli Ramli Ramli Ramli Ratna Dewi Kusumawati Rio, Wahyu Yusuf Ristika Yulianti Rumiatiningsih Rusti Amalia Putri Safitra, Muhamad Redza Safitri, Elvina Saiful Ghozi, Saiful Santika, Sisca Setiawan Setiawan Sindy Patika Sari Sisca Santika Suhaedi Suhaedi Suhaedi Suhaedi, Suhaedi Usfatun Tri Habibah Usman, Wilma Widyanti Wahyu Anhar C Putra Wijayani*, Dahyang Ika Leni Wijayani, Dahyang Ika Leni Wiwik Saraswati, Wiwik Yulianti, Putri Kartika