Jejak digital: Jurnal Ilmiah Multidisiplin
Vol. 2 No. 5 (2026): AGUSTUS-SEPTEMBER

Faktor-Faktor yang Memengaruhi Adopsi Teknologi Pembayaran Kode QR pada Pelaku UMKM

Dzaki Hanif (Universitas Negeri Jakarta)
Diena Noviarini (Universitas Negeri Jakarta)
Ringga Sentagi Asa (Universitas Negeri Jakarta)



Article Info

Publish Date
21 Aug 2026

Abstract

This study aims to analyze the factors influencing Behavioral Intention to Use QRIS among culinary micro, small, and medium enterprises (MSMEs) in DKI Jakarta using the Unified Theory of Acceptance and Use of Technology 2 (UTAUT2) model extended with Perceived Security and Perceived Trust variables. This study employed a quantitative approach with a survey method involving 214 MSME respondents who have used QRIS. Data were analyzed using Structural Equation Modeling-Partial Least Squares (SEM-PLS). The results indicate that Performance Expectancy, Effort Expectancy, Price Value, Perceived Security, and Perceived Trust have a positive and significant effect on Behavioral Intention to Use QRIS, with Perceived Trust being the most influential factor. Meanwhile, Social Influence was found to have no significant effect. The R² value of 0.578 indicates that the model explains 57.8% of the variation in behavioral intention to use QRIS. These findings suggest that increasing QRIS adoption among MSMEs should be supported by providing beneficial and easy-to-use services, costs commensurate with benefits, robust security systems, and efforts to build MSME owners' trust in QRIS as a digital payment method. This study contributes to the development of UTAUT2 literature by extending the model in the context of digital payment adoption in the MSME sector.

Copyrights © 2026






Journal Info

Abbrev

jejakdigital

Publisher

Subject

Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences Other

Description

Jurnal Ilmiah Multidisiplin adalah jurnal elektronik dan cetak Open Access Journal yang diterbitkan oleh Indo Publishing setiap 6 kali dalam setahun menyediakan forum untuk mempublikasikan artikel penelitian asli, artikel review dari kontributor, dan berita teknologi baru mencangkup multidisiplin ...