MALIA: Journal of Islamic Banking and Finance
Vol 8, No 2 (2024): MALIA: Journal of Islamic Banking and Finance

UTAUT3 Assessment on Generation Z Muslim QRIS Users to Encourage A Cashless Society in Indonesia

Romadhon, Rizki (Unknown)
Sukardi, Budi (Unknown)



Article Info

Publish Date
31 Dec 2024

Abstract

Technological advances have encouraged the development of digital financial services, including the use of QRIS in Indonesia. Generation Z Muslims, with strong digital skills, play an important role in the transition to a cashless society. This study aims to understand the factors that affect the interest of Generation Z Muslims in using QRIS. The methodology used was a quantitative approach with a purposive sampling technique, involving 323 respondents from Generation Z Muslims in Sesolo Raya and data analysis was carried out using Smart PLS 4.0 with the UTAUT 3 model. The results show that performance expectations, personal innovation, and habits have a significant effect on the behavioral intention of using QRIS, while the price value also has an important impact. Although several other factors did not have a significant effect, this generation proved to be key in driving the adoption of QRIS and accelerating the transition to a cashless society in Indonesia. Behavioral intentions also have a significant effect on usage behavior.

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Journal Info

Abbrev

syirkah

Publisher

Subject

Economics, Econometrics & Finance

Description

MALIA: Journal of Islamic Islamic and Finance publishes articles with two related to themes; Islamic banking and finance. The first major theme is the Islamic Banking. The study of Islamic banking include all submissions related to Islamic banking, be it management, marketing, accounting, product, ...