The Influence of Ease of Use, Security, and Benefits of QRIS Usage on the Development of the Digital Economy

Reva Puspamidya (Department of Accounting, Faculty of Economics and Business, Gunung Jati Swadaya University, Cirebon, Indonesia)
Rina Destiana (Department of Accounting, Faculty of Economics and Business, Gunung Jati Swadaya University, Cirebon, Indonesia)

International Journal of Business, Economics, and Social Development
Vol. 7 No. 3 (2026): International Journal of Business, Economics, and Social Development (IJBESD)

This study aims to analyze the influence of ease of use, security, and perceived usefulness of QRIS on the development of the digital economy among Generation Z in Cirebon City. Using the Technology Acceptance Model (TAM) framework, data were collected from 300 respondents through an online questionnaire and analyzed using multiple linear regression. The results indicate that, both partially and simultaneously, the variables of ease of use, security, and perceived usefulness have a positive and significant effect on digital economic development. These three factors contribute 56.2% to enhancing the efficiency of cashless transactions and strengthening the digital ecosystem. The findings highlight the importance of optimizing digital payment technology features to accelerate digital economic transformation.