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All Journal Journal of Practical Management Studies
Septia S. Dioh
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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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.
Determinants of Financial Management Behavior Among Generation Z University Students in Kupang: The Role of Financial Literacy, Financial Technology Adoption, and Financial Self-Efficacy Wihelmina Muni; Septia S. Dioh; Taqwa Sultan; Moni Y. Siahaan; Yanti S. Giri
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.v1i1.144

Abstract

This study examines the determinants of financial management behavior among Generation Z university students in Kupang City by integrating financial literacy, financial technology adoption, and financial self-efficacy within the Theory of Planned Behavior framework. A quantitative explanatory design was employed using survey data from 218 students, analyzed through PLS-SEM. The findings reveal that financial literacy, fintech adoption, and financial self-efficacy significantly influence financial management behavior, both individually and simultaneously. Financial literacy serves as the primary cognitive foundation, self-efficacy strengthens perceived behavioral control, while fintech functions as an enabling contextual factor rather than a deterministic driver. The model demonstrates moderate predictive power, indicating that responsible financial behavior among Gen Z students emerges from the interaction of cognitive, psychological, and technological dimensions. This study contributes to extending behavioral finance research in emerging regional contexts and highlights the need for integrative financial education strategies in higher education institutions.
Co-Authors Anderias U. T. Anabuni Irience R.A. Manongga Maria S. Lou Kelen Moni Y. Siahaan Taqwa Sultan Wihelmina Muni Yanti S. Giri