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All Journal Journal of Financial Economics & Investment Ekopedia: Jurnal Ilmiah Ekonomi Aksi Kita: Jurnal Pengabdian Kepada Masyarakat Indonesia Economic Journal
Lusiana Desy Ariswati
Universitas Mulawarman
Economics, Econometrics & Finance Environmental Science Social Sciences Other

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FACTORS INFLUENCING USER PERCEPTIONS OF QRIS IN THE DIGITAL PAYMENT ECOSYSTEM Libran Filani; Lusiana Desy Ariswati
Journal of Financial Economics & Investment Vol. 6 No. 2 (2026): Journal of Financial Economics & Investment
Publisher : Program Studi Ekonomi Pembangunan

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Abstract

This study examines the factors influencing the perceived usefulness of the Quick Response Code Indonesian Standard (QRIS) among Generation Z in the supporting regions of the Nusantara Capital City (IKN), namely Samarinda, Balikpapan, Kutai Kartanegara, and Penajam Paser Utara. Using the Technology Acceptance Model (TAM), this research analyzes the effects of social influence, perceived ease of use, trust, digital experience, and service innovation on perceived usefulness. A quantitative approach was employed, collecting data from 250 respondents aged 18-25 years through an online questionnaire distributed via Google Forms. Partial Least Squares Structural Equation Modeling (PLS-SEM) analysis was used to test the relationships between variables. The results indicate that perceived ease of use and service innovation significantly influence perceived usefulness, explaining 82.7% of its variance, while social influence, trust, and digital experience have no significant effects. These findings emphasize that user-friendly interfaces and innovative features are crucial for enhancing QRIS adoption in developing regions. This study contributes to the theoretical application of TAM in non-metropolitan contexts and offers practical recommendations for improving QRIS adoption through digital infrastructure enhancements and service innovations.
Co-Authors Adella Clarisa Pinem Agni Nur Qadria Amelia Munifah Annisa Husnul Khotimah Arini Hudaya Arjuna Fauzan Ahmad Assyfha Nisrina Rahma Ayu Angelisda Paganggi Chandika Mahendra Widaryo Faiz Abdullah Faras Putri Sabina Fitri Rihhadatul Aisy Friska Rhifani Galang Sius Gusti Kayla Fadilah Hafsyari Indri Kalila Hardayani Irma Irma Libran Filani Lydia Ramayza Azzahra Lyra Virna Imanda Margareth Henrika Muhammad Aditya Saputra Muhammad Bairahim Muhammad Damar Andrio Muhammad Fakhi Muhammad Farrel Shah Rajade Muslim Muhammad Hendy Muhammad Ramadhani Kesuma Muhammad Zidan Musaid Dzakwan Naila Riska Rahmadani Natasya Zerlinda Putri Novita Hurai Hibau Nur Lisa Eriyanti Nur Syamsiyah Fauziyah Nurul Shafira Qanita Khairunnisa Darwis Rafa Nathania Putri Raisyah Adindaffa Putri Rania Fitra Bansir Ratna Juwita Resiani Bungan Layuk Restu Amalia Revita Mariska Ricardo Jonathan Andorion Rifatul Hasanah Rohana Nur Aini Serly Lutvia Ikmala Shafa Niswa Az-zahra Syahfiah Syahfiah Syarifah Najlaa Az Zahrah Vino Aditia Safutra