<![CDATA[Variations in the adoption rate of the Quick Response Code Indonesian Standard (QRIS) digital payment system among university students remain strongly influenced by perceived risk and trust factors. This quantitative survey study aimed to analyze the effects of perceived risk and trust on the intention to use QRIS among students of the Economic Education Study Program at Universitas Bhinneka PGRI. Data were collected via Likert-scale questionnaires administered to 133 students determined using a saturated sampling technique from the total population. Data were analyzed using multiple linear regression via SPSS 26 after satisfying classical assumption testing. The resulting regression equation was Y = 30.556 - 0.120X₁ + 0.659X₂. Partial testing (t-test) revealed that perceived risk had a negative and significant effect (t = -2.068; p = 0.041), whereas trust exerted a positive and significant effect (t = 10.225; p = 0.000) on usage intention. Simultaneous testing (F-test) proved that both variables jointly exerted a significant effect (F = 52.925; p = 0.000) with an R-square coefficient of determination of 0.449 (44.9 percent). The main conclusion confirms that enhancing user trust and minimizing technical and security risk perceptions represent key strategies for fostering digital payment adoption in higher education. ABSTRAK Variasi tingkat adopsi sistem pembayaran Quick Response Code Indonesian Standard (QRIS) di kalangan mahasiswa masih sangat dipengaruhi oleh faktor persepsi risiko dan kepercayaan. Penelitian kuantitatif metode survei ini bertujuan menganalisis pengaruh persepsi risiko dan kepercayaan terhadap minat penggunaan QRIS pada mahasiswa Program Studi Pendidikan Ekonomi Universitas Bhinneka PGRI. Data dikumpulkan melalui kuesioner berskala Likert kepada 133 mahasiswa yang ditentukan menggunakan teknik sampling jenuh dari total populasi. Analisis data diuji menggunakan regresi linier berganda via SPSS 26 setelah memenuhi uji asumsi klasik. Persamaan regresi yang diperoleh adalah Y = 30,556 - 0,120X₁ + 0,659X₂. Hasil uji parsial (uji t) menunjukkan persepsi risiko berpengaruh negatif dan signifikan (t=-2,068;p=0,041), sedangkan kepercayaan berpengaruh positif dan signifikan (t=10,225;p=0,000) terhadap minat penggunaan. Hasil uji simultan (uji F) membuktikan kedua variabel secara bersama-sama berpengaruh signifikan (F=52,925;p=0,000) dengan koefisien determinasi R^2 sebesar 0,449 (44,9 persen). Simpulan utama menegaskan bahwa peningkatan kepercayaan serta upaya meminimalkan persepsi risiko teknis dan keamanan merupakan strategi kunci untuk mendorong adopsi pembayaran digital di perguruan tinggi. ]]>
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