Al-Kharaj: Journal of Islamic Economic and Business
Vol. 8 No. 1 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi

Applying the Unified Theory of Acceptance and Use of Technology (UTAUT) to Analyze Use Behavior of the Quick Response Code Indonesian Standard (QRIS) Among Generation Z in Bandung

Angger Cakra Wibisono (Unknown)
Novi Susyani (Unknown)



Article Info

Publish Date
03 Mar 2026

Abstract

This study aims to analyze the factors influencing the use behavior of Generation Z in using the Quick Response Code Indonesian Standard (QRIS) in Bandung by applying the Unified Theory of Acceptance and Use of Technology (UTAUT) model. A quantitative approach with descriptive and associative research design was employed, using primary data collected through an online questionnaire distributed to 100 Generation Z respondents who actively use QRIS. The research variables consisted of performance expectancy, effort expectancy, social influence, and facilitating conditions as independent variables, and use behavior as the dependent variable. Data were analyzed using multiple linear regression with the support of SPSS, accompanied by validity, reliability, and classical assumption tests. The results indicate that all independent variables simultaneously have a significant effect on use behavior. Partially, performance expectancy, effort expectancy, social influence, and facilitating conditions each show a positive and significant influence on QRIS use behavior, with social influence identified as the most dominant factor. This study concludes that the UTAUT model effectively explains QRIS use behavior among Generation Z in Bandung, where perceived usefulness, ease of use, social influence, and supporting facilities play a crucial role in encouraging sustainable QRIS usage.

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Journal Info

Abbrev

alkharaj

Publisher

Subject

Economics, Econometrics & Finance

Description

Al-Kharaj, Journal of Islamic Economic and Business is peer-reviewed journal published by program studi ekonomi syariah , Institut Agama Islam Negeri (IAIN) Palopo. Al-Kharaj focus on the research of Islamic Economic and Business. The aims of this journal is to explore and develop economic related ...