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All Journal Jurnal Ilmiah Manajemen Kesatuan Research Horizon
Zalukhu, Sukmardin
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Arts Humanities Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

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The Influence of Using the QRIS Digital Payment Method on Customer Purchasing Decisions Zalukhu, Sukmardin; Lattu, Arny
Jurnal Ilmiah Manajemen Kesatuan Vol. 13 No. 1 (2025): JIMKES Edisi Januari 2025
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v13i1.3064

Abstract

The development of digital technology has brought significant changes across various sectors, including payment systems. The Quick Response Code Indonesia Standard (QRIS) is one of the key innovations in digital payment systems developed by Bank Indonesia and the Indonesian Payment System Association. This study aims to analyze the impact of using the digital payment method QRIS on consumer purchasing decisions in Sukabumi City using the Technology Acceptance Model (TAM) approach. The variables studied include perceived usefulness, user attitude, and intention to use, measured through an online questionnaire involving 98 respondents. The results show that these three variables significantly influence purchasing decisions. QRIS is believed to provide convenience, efficiency, and comfort in transactions, thereby encouraging positive attitudes and high usage intentions. In conclusion, the implementation of QRIS can enhance transaction efficiency and positively impact consumer purchasing behavior, particularly in the MSME sector. This research contributes to the development of digital payment systems in Indonesia and is expected to provide input for policymakers in supporting broader adoption of QRIS.
The Effect of QRIS Payment on Consumer Purchase Decisions Using Technology Acceptance Model Zalukhu, Sukmardin; Sembiring, Falentino
Research Horizon Vol. 5 No. 4 (2025): Research Horizon - August 2025
Publisher : LifeSciFi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54518/rh.5.4.2025.764

Abstract

This study aims to determine the influence of the use of the Quick Response Code Indonesian Standard (QRIS) digital payment method on consumer purchase decisions using the Technology Acceptance Model approach. There are three independent variables used in this study, namely perception of utility, attitude towards use, and intention to use, and one dependent variable, namely purchase decision. The research method used was quantitative with a survey approach, and data collection was carried out through a closed questionnaire of 400 respondents. Data analysis was carried out using the Partial Least Squares - Structural Equation Modeling method through SmartPLS. The results showed that all independent variables had a significant effect on purchasing decisions. The intention to use QRIS is the most dominant factor influencing purchase decisions, followed by attitudes towards its use and the perception of benefits. The R-Square value of 0.858 indicates that the research model has a strong clear power in explaining the variables of purchasing decisions. This research contributes to adoption of digital payment technology among consumers. The results of the research are expected to be considered for digital payment system developers, business actors, and researchers in developing more effective strategies to increase the use of QRIS.
Co-Authors falentino sembiring Lattu, Arny