PERAN PERCEIVED USEFULNESS MEMEDIASI PENGARUH PERCEIVED EASE OF USE TERHADAP ACTUAL USAGE - Ni Kadek Dilla Danaputri; Anak Agung Gede Agung Artha Kusuma (Buletin Studi Ekonomi, 2026)
Penelitian ini bertujuan menguji peran perceived usefulness sebagai variabel mediasi dalam hubungan antara perceived ease of use dan actual usage pada pengguna QRIS di Kota Denpasar. Pendekatan penelitian menggunakan metode kuantitatif asosiatif dengan 150 responden yang dipilih melalui purposive sampling berdasarkan kriteria pengalaman menggunakan QRIS dan tingkat pendidikan minimal SMA/SMK. Pengolahan data dilakukan melalui uji validitas, reliabilitas, serta pengujian hipotesis dengan Hayes Process Macro Model 4. Hasil penelitian menunjukkan bahwa perceived ease of use berpengaruh positif dan signifikan terhadap actual usage maupun perceived usefulness. Selanjutnya, perceived usefulness berpengaruh positif signifikan terhadap actual usage dan terbukti memediasi hubungan antara perceived ease of use dan actual usage. Temuan ini mendukung pengembangan Technology Acceptance Model (TAM) serta memberikan implikasi praktis bagi pengelola QRIS dan penyedia layanan keuangan digital dalam merancang strategi inovasi dan promosi agar QRIS lebih mudah diakses, bermanfaat, dan mendorong peningkatan penggunaan aktual. Selain itu, pelaku usaha dan merchant juga diharapkan lebih proaktif dalam mengadopsi QRIS guna meningkatkan efisiensi transaksi dan memberikan kemudahan dalam proses pembayaran bagi konsumen. This study aims to examine the role of perceived usefulness as a mediating variable in the relationship between perceived ease of use and actual usage among QRIS users in Denpasar City. The research employed a quantitative associative approach with 150 respondents selected through purposive sampling based on their experience using QRIS and a minimum education level of senior high school or vocational school. Data were analyzed through validity and reliability tests, as well as hypothesis testing using the Hayes Process Macro Model 4. The results indicate that perceived ease of use has a positive and significant effect on both actual usage and perceived usefulness. Furthermore, perceived usefulness has a positive and significant effect on actual usage and is proven to mediate the relationship between perceived ease of use and actual usage. These findings support the development of the Technology Acceptance Model (TAM) and provide practical implications for QRIS administrators and digital financial service providers in designing innovation and promotion strategies to make QRIS more accessible, useful, and capable of increasing actual usage. Additionally, business actors and merchants are expected to be more proactive in adopting QRIS to enhance transaction efficiency and facilitate the payment process for consumers.