Penggunaan QRIS dan Keterampilan Digital Terhadap Literasi Keuangan Dengan Perilaku Keuangan Sebagai Variabel Mediator

Maulida Nur Afidah (Program Studi Manajemen, Universitas Persatuan Guru Republik Indonesia Semarang)
Sutrisno Sutrisno (Program Studi Manajemen, Universitas Persatuan Guru Republik Indonesia Semarang)
Rita Meiriyanti (Program Studi Manajemen, Universitas Persatuan Guru Republik Indonesia Semarang)

Cantaka: Jurnal Ilmu Ekonomi dan Manajemen
Vol. 4 No. 2 (2026): Agustus

This research is motivated by the increasing use of the Quick Response Code Indonesian Standard (QRIS) and the importance of digital skills in supporting financial management in the digital era. The convenience of digital transactions needs to be accompanied by financial literacy in order to foster good financial behavior. This study aims to analyze the effect of QRIS usage and digital skills on financial behavior, with financial literacy as a mediating variable. This research employed a quantitative approach using a survey method involving 314 respondents selected through purposive sampling. The data were analyzed using Structural Equation Modeling-Partial Least Squares (SEM-PLS) with SmartPLS 4. The results indicate that QRIS usage and digital skills have a positive and significant effect on both financial literacy and financial behavior. Furthermore, financial literacy is able to mediate the effects of QRIS usage and digital skills on financial behavior. These findings indicate that increased utilization of digital payment technology, supported by adequate digital skills and financial literacy, can encourage better financial behavior.