Adoption of QRIS Tap in Jakarta’s Public Transportation: An Extended UTAUT2 Model

Muhammad Yusuf Nugraha (Department of Management, Faculty of Economics and Management, IPB University, Bogor, 16680, Indonesia)
Alim Setiawan Slamet (Department of Management, Faculty of Economics and Management, IPB University, Bogor, 16680, Indonesia)
Elisa Anggraeni (Department of Agro-Industrial Technology, Faculty of Engineering and Technology, IPB University, Bogor, 16680, Indonesia)

Fundamental and Applied Management Journal
Vol. 4 No. 3 (2026): September

This study examines QRIS Tap adoption in Jakarta's public transportation system by extending the Unified Theory of Acceptance and Use of Technology 2 (UTAUT2) with perceived transaction speed, perceived risk, and trust as additional constructs. A quantitative cross-sectional survey was conducted, and 202 valid responses, retained from an initial pool of 230, were analyzed using partial least squares structural equation modeling (PLS-SEM). Effort expectancy, facilitating conditions, habit, and trust positively and significantly predicted behavioral intention, while perceived risk had a significant negative effect. Facilitating conditions, habit, and behavioral intention also significantly predicted use behavior. Perceived transaction speed did not directly predict behavioral intention but significantly shaped both performance expectancy and effort expectancy. Performance expectancy, social influence, hedonic motivation, and price value did not significantly predict behavioral intention. QRIS Tap adoption is shaped mainly by ease of use, reliable infrastructure, habit, reduced perceived risk, and trust. Although transaction speed does not directly drive adoption intention, it remains important because it shapes users’ perceptions of usefulness and ease of use.