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All Journal JBMP (Jurnal Bisnis, Manajemen dan Perbankan) SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan Abdimas Umtas : Jurnal Pengabdian kepada Masyarakat Jurnal Mantik Bisman (Bisnis dan Manajemen): The Journal of Business and Management Journal of Management - Small and Medium Enterprises (SME's) Jurnal Pengabdian kepada Masyarakat Interdisciplinary Social Studies Journal of Tourism Economics and Policy Journal Of Human And Education (JAHE) Jurnal Manajemen dan Bisnis Jurnal Pengabdian Masyarakat Bangsa Journal of Mandalika Literature Journal of Practical Management Studies E-Amal: Jurnal Pengabdian Kepada Masyarakat Journal of Management and Business Innovation (JOMBINOV)
Irience R.A. Manongga
Department Of Business Administration, Politeknik Negeri Kupang, Kupang, Indonesia
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Determinants of QRIS User Information: The Role of Usage Barriers, Value Barriers, Risk Barriers, Initial Trust, and Perceived Usefulness Septia S. Dioh; Taqwa Sultan; Manongga, Irience R. A.; Maria S. Lou Kelen; Wihelmina Muni; Anabuni, Andrias U. T.
Journal of Practical Management Studies Vol. 1 No. 1 (2026): JPMS - March (2026)
Publisher : CV. Jala Berkat Abadi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61106/jpms.v1i1.143

Abstract

This study examines the determinants of QRIS user information by integrating innovation resistance and technology acceptance perspectives within Indonesia’s nationally standardized digital payment system. Using a quantitative explanatory design, data were collected from 105 QRIS users in Kupang City through a structured questionnaire. Multiple linear regression analysis was employed to test the effects of usage barrier, value barrier, risk barrier, initial trust, and perceived usefulness on user information, following validity, reliability, and classical assumption testing. The results show that usage barriers negatively influence QRIS user information, whereas value barriers, risk barriers, initial trust, and perceived usefulness have significant positive effects. Among all predictors, risk barrier emerges as the most dominant determinant, indicating that security and uncertainty perceptions play a critical role in shaping users’ informational engagement. The proposed model explains 65.8% of the variance in user information, demonstrating strong explanatory power. This study adopts a cross-sectional design and focuses on a single geographic context, which may limit generalizability. Future research may employ longitudinal or comparative approaches to capture dynamic and contextual variations. This study advances digital payment and information systems literature by repositioning user information as a central cognitive outcome of user–technology interaction rather than merely an antecedent of adoption, offering an information-centric framework for evaluating the effectiveness of standardized digital payment systems.
Co-Authors Aman, Dominikus K.T. Aman, Dominikus Kopong T. Anderias U. T. Anabuni Aqnes P.P. Lobo Bunga, Markus Caryn E. Mau Dikky Mooy Dominikus K.T.Aman Dominikus Kopong T. Aman Enos Kabu Fanggidae, Apriana H.J. Fanggidae, Ronald Patrick Costantin Giri, Yanti S. Kabanga, Margaretha S. Klaasvakumok Jehezkielomi Kamuri Ludji Pa, Pieter Alexander Manafe, Janri.D Maria S. Lou Kelen Marianus S. Neno Marianus S. Neno Marianus S.Neno Natonis, Sari Angriany Neno, Marianus S Neno, Marianus S. Nenohai, Marylin E.S. Pane, Ayu Sartika Plafianto J. Himpi Reysanti M. Djami Rohani P. Dima Septia S. Dioh Supriyani, Supiyani Surya S. Tarigan Taqwa Sultan Timuneno, Tarsisius Wihelmina Muni Wilhelmina Muni Yanti S. Giri Yonas F Riwu Yonas F. Riwu Yuri S. Fa’ah Yuri Sandra Faah Yuri.S.Fa’ah