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All Journal Lensa: Kajian Kebahasaan, Kesusastraan, dan Budaya LISANIA Jurnal Ilmu dan Pendidikan Bahasa Arab Jurnal Antropologi: Isu-Isu Sosial budaya AGREGAT Bakti Budaya: Jurnal Pengabdian kepada Masyarakat LISANIA: Journal of Arabic Education and Literature AL-ADABIYA: Jurnal Kebudayaan dan Keagamaan Journal of Marketing Innovation Bakti Budaya: Jurnal Pengabdian kepada Masyarakat Nusantara of Engineering (NOE) Journal Middle East and Islamic Studies
Imam Wicaksono
Arabic Literature Undergraduate Program, Universitas Gadjah Mada
Religion Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Mechanical Engineering Physics Social Sciences Transportation Other

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Journal : Journal of Marketing Innovation

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The Role of Habit and Trust in Driving the Continuance of QR Code Payment Usage: A Study of QRIS Consumers in Indonesia Wicaksono, Imam
Journal of Marketing Innovation (JMI) Vol. 5 No. 2 (2025)
Publisher : Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/jmi.v5i2.273

Abstract

Sustaining the ongoing use of digital payment systems is a key challenge in financial innovation. This research tackles the problem by examining the factors that influence the continuance intention of the Quick Response Code Indonesian Standard (QRIS), expanding the Technology Continuance Theory (TCT) through the inclusion of trust and habit as mediating factors. Employing a quantitative methodology with a non-probability purposive sampling technique, data were collected from 938 active QRIS users and analyzed using PLS-SEM. The results demonstrate that confirmation, perceived ease of use, and satisfaction significantly cultivate trust and habit. These constructs, in turn, function as essential mediators, with habits being the principal predictor of users' continuance intention. Notably, perceived usefulness and price benefits did not exhibit a strong direct effect. This study offers two main implications. From a theoretical perspective, it enhances post-adoption models by emphasizing the significant mediating effects of trust and habit. From a practical standpoint, it recommends that providers prioritize cultivating user trust and encouraging habitual use to support long-term adoption, rather than depending solely on functional features.
Co-Authors Ahmad Bagus Setiawan alGayyar, Sherif Saad alGayyar, Sherif Sa’ad Danar Putra Pamungkas, Danar Putra Hassan, Ahmed Hassan Mohammad Karlina Maizida Moh. Masrukhi Mohammad Hassan, Ahmed Hassan Monika, Fanny restu faizah Siti Aminah Syamsi, Muhammad Ibnu Uswatun Hasanah