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All Journal JURNAL BISNIS ADMINISTRASI DAN MANAJEMEN Nomico
R. Suprono Wahyujatmiko
STIE IEU Yogyakarta
Economics, Econometrics & Finance Medicine & Pharmacology Transportation

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Journal : Nomico

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Consumer Behavior toward Digital Transactions Using QRIS: A Technology Acceptance Model (TAM) Approach R. Suprono Wahyujatmiko
Nomico Vol. 2 No. 9 (2025): Nomico - October
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/myxck774

Abstract

This study aims to analyze consumer behavior toward digital transactions using the Quick Response Code Indonesian Standard (QRIS) through the Technology Acceptance Model (TAM) framework. A quantitative descriptive approach was applied to examine the relationships among perceived usefulness (PU), perceived ease of use (PEOU), attitude toward use (ATU), and behavioral intention (BI) in determining consumer acceptance of QRIS. Data were collected from active users of digital payment systems in Indonesia and analyzed using the Partial Least Squares Structural Equation Modeling (PLS-SEM) method. The findings reveal that perceived usefulness and perceived ease of use significantly influence users’ positive attitudes toward QRIS, which subsequently enhance their behavioral intention to use. Trust and perceived security also play crucial roles in reinforcing the relationship between attitude and intention. Theoretically, this research confirms the robustness of the TAM framework within the context of financial technology adoption in developing economies. Practically, the study provides strategic implications for monetary authorities and digital payment providers to increase QRIS adoption through user experience enhancement, digital literacy programs, and stronger regulatory measures for transaction security.
The Adoption of Digital Wallets and Their Influence on the Shopping Behavior of Urban Communities R. Suprono Wahyujatmiko; Heru Kuncorowati; Chinthia Sari Yusriana
Nomico Vol. 2 No. 12 (2026): Nomico-January
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/8f2avg89

Abstract

The rapid development of financial technology has led to significant changes in urban payment systems, particularly through the adoption of digital wallets. This transformation in payment methods has the potential to influence consumer shopping behavior beyond transactional efficiency, affecting consumption patterns and tendencies. This study aims to analyze the influence of digital wallet adoption on the shopping behavior of urban communities. A quantitative approach with an explanatory design was employed using a survey method. Data were collected from urban residents who actively use digital wallets and analyzed using linear regression. The results indicate that digital wallet adoption has a positive and significant effect on shopping behavior among urban consumers. The coefficient of determination reveals that digital wallet adoption explains a substantial proportion of the variance in shopping behavior. These findings suggest that the convenience and efficiency of digital payments play an important role in shaping consumption patterns in urban settings. This study contributes empirically to the literature on digital economy and consumer behavior by highlighting digital payment systems as a key determinant of urban shopping behavior.
Co-Authors Chinthia Sari Yusriana Heru Kuncorowati Muhammad Husain Zidni Ar Ridho Yuyun Wahyuni