Jurnal Aplikasi Bisnis dan Manajemen (JABM) E-Journal
Vol. 10 No. 3 (2024): JABM, Vol. 10 No. 3, September 2024

Factors Influencing The Use of QRIS in Digital Transactions

Fadhil Muhammad (Unknown)
Arif Imam Suroso (Unknown)
Setiadi Djohar (Unknown)



Article Info

Publish Date
28 Sep 2024

Abstract

Background: QRIS as a payment method through QR codes has emerged as one of the products initiated by the implementation of the Indonesian Payment System Blueprint (SPI). Purpose: The purpose of QRIS is to expand the efficient acceptance of non-cash payments, focusing on traditional mass economic functions (such as traditional markets and MSMEs). Design/methodology/approach: The analysis in this research utilized Partial Least Square Equation Modeling (PLS-SEM). Findings/Result: The results indicate that habit and hedonic motivation variables have a significant positive influence on behavioral intention, while usage barriers have a significant negative impact on behavioral intention. Furthermore, habit and facilitating conditions variables have a significant positive impact on use behavior. Conclusion: The findings highlight that the decision to use QRIS is largely habitual, influenced by prior experiences and quick decision-making (Hedonic Motivation) at the point of transaction. The decision-making process is no longer lengthy, as QR-based payment systems were already familiar before QRIS implementation in Indonesia.Originality/value (State of the art): The approach of simultaneously measuring acceptance factors and barriers is still rarely employed in technology adoption studies. Evaluating both factors concurrently can provide a more comprehensive assessment of the technology adoption process. Keywords: UTAUT 2, IRT, digital transaction, QRIS, technology acceptance

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Journal Info

Abbrev

jabm

Publisher

Subject

Decision Sciences, Operations Research & Management

Description

Journal of Business and Management Application (JABM) published articles in the field of business and management applications such as business strategy management, financial management, human resources and organization, business value chain and other issues in the field of business and management. ...