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All Journal Journal of Economics and Social Sciences Ekopedia: Jurnal Ilmiah Ekonomi
Asa, Ringga Sentagi
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Agriculture, Biological Sciences & Forestry Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Social Sciences

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The Impact of QRIS on Consumer Behavior in Urban Areas Asa, Ringga Sentagi; Shabrina, Fildzah
Journal of Economics and Social Sciences (JESS) Vol. 4 No. 2 (2025): Journal of Economics and Social Sciences (JESS)
Publisher : CV. Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/jess.v4i2.957

Abstract

The purpose of this study is to study how urban consumer behavior is influenced by the implementation of digital payment systems, specifically the Quick Response Code Indonesian Standard (QRIS). This study used a quantitative approach, sending questionnaires to respondents in urban areas. The research results show that QRIS usage and ease of access influence consumer behavior. Key findings indicate that people purchase more frequently, are more likely to engage in consumer behavior, and prefer cashless payments. Due to the convenience of QRIS, 62% of respondents reported making more impulse purchases. In addition, consumers' perceptions of the practicality and security of QRIS also help them prefer to use it. The majority of respondents considered QRIS secure (76%) and faster than cash payments (84%). This research shows that QRIS implementation not only increases the speed and convenience of transactions but also has socio-economic consequences, such as an increased propensity to spend more money in urban areas.
Pengaruh Perceived Ease of Use dan Perceived Risk Terhadap Customer Loyalty Melalui Customer Satisfaction pada Aplikasi E-Wallet Wiratama, Julius Adi; Munawaroh, Munawaroh; Asa, Ringga Sentagi
Ekopedia: Jurnal Ilmiah Ekonomi Vol. 2 No. 1 (2026): JANUARI-MARET
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/6y1g3t85

Abstract

The increasing use of digital wallet (e-wallet) services in Indonesia highlights the need for a deeper understanding of the factors that influence user loyalty. This research is conducted to examine the influence of perceived ease of use and perceived risk on customer loyalty, with customer satisfaction positioned as a mediating variable within the context of the LinkAja e-wallet application. A quantitative research design is employed by distributing structured questionnaires to 190 active LinkAja users across Indonesia. The collected data are analyzed using the Partial Least Squares–Structural Equation Modeling (PLS-SEM) method with the assistance of SmartPLS version 4.0. The findings indicate that perceived ease of use exerts a positive and statistically significant impact on customer satisfaction, whereas perceived risk demonstrates a negative and significant effect on customer satisfaction. In addition, customer satisfaction is found to positively influence customer loyalty and to significantly mediate the relationship between perceived ease of use and perceived risk on customer loyalty. These results imply that optimizing system usability and effectively managing perceived risks are crucial in improving user satisfaction and fostering long-term loyalty toward e-wallet services.
Co-Authors Munawaroh Munawaroh Shabrina, Fildzah Wiratama, Julius Adi