DETERMINANTS OF FINANCIAL TECHNOLOGY USE: QRIS (Quick Response Code Indonesian Standard) PRODUCTS IN GEN Z (Study on Private University Students in Bandar Lampung)

Fitri Ahyani (Universitas Bandar Lampung)
Luke Suciyati Amna (Universitas Bandar Lampung)
Khairudin (Universitas Bandar Lampung)

International Journal of Economics, Business and Innovation Research
Vol. 3 No. 02 (2024): March, International Journal of Economics, Business and Innovation Research (I

This research focuses on the role of QRIS as a digital payment tool in replacing cash. QRIS, released by Bank Indonesia, aims to provide facilities in the form of non-cash transactions, especially among Generation Z students. Investigate the influence of perceived benefits, ease of use, and risk on the interest of private students in Bandar Lampung when using QRIS as a means of payment. Quantitative research methods were conducted on 85 students from 5 universities and 7 study programs. The results show that perceived benefits do not have a significant impact on interest in using QRIS, while perceived convenience has a positive and significant effect. Perceived risk also has a positive and significant impact on interest in using QRIS, indicating that students who have a high awareness of risk are more likely to choose QRIS as a payment method. The conclusions of this study can be the basis for increasing understanding and acceptance of QRIS among Generation Z students as a means of payment. Keywords: QRIS, GenZ, Perceived Benefits, Perceived Ease, Perceived Risk, Usage Decision.